Terms of Service

These terms of use outline the terms and conditions that govern your access to the hike messenger application (the "Application") and use of services offered through the Application (collectively, "Services") and constitutes a binding legal agreement ("Terms") between you ("you", "your" or "yours") and Hike Private Limited (former Hike Limited) (hereinafter referred to as "hike" / "we"/ "us") (which expression shall include its successors and assigns).

By downloading, installing or using the Application and/or the Services, you signify your agreement to be bound by the Terms. Your continued use of the Application and/or the Services offered through the Application will imply your acceptance of the conditions contained under these Terms.

These Terms constitute an 'electronic record' within the meaning of the applicable law (including the Information Technology Act, 2000) and is generated by a computer system and does not require any physical or digital signatures.

Please read these Terms carefully before you use the Application or any Service offered by hike through the Application. These terms control the relationship between hike and you. They do not create any third party beneficiary rights.

1. Application; Your Account

Application: The Application is an online platform which enables you to engage in peer-to-peer (P2P) interaction with other users and avail Services made available to you by hike through the Application. Hike may at its discretion allow you to use some of these Services free of charge. Our Services are very diverse and additional terms or product requirements may apply to certain Services. These additional terms are made a part of these Terms by this reference. If there is a conflict between these terms and the additional terms, the additional terms will supercede these terms.

Services shall include, but not be limited to, Social and Sharing Services, Platform Services and Hike Wallet Services. More information about the Application and the Services is available on hike’s website at www.hike.in ("Site").

You can download the Application from third party application stores such as Google Play, Windows Store and Apple App Store, subject to the terms and conditions and the privacy policy of such third party application stores.

Your Account: You can access the Application and the Services by creating an account on the Application using your mobile device. By using the Application, you agree to ensure confidentiality of your account, password credentials and for limiting access to your mobile device to prevent unauthorized use of your account on the Application. You will be responsible for any activity under your account or password and for informing us immediately if you have any reason to believe that your password is likely to be used in an unauthorized manner. Please ensure that the details you provide us are accurate and complete and inform us immediately of any changes to the information that you provided when signing-up.

Your Access to the Application: We will endeavor to ensure error-free availability of the Application or Services or contents thereof to you, however your access to the Application may occasionally be suspended or restricted for repairs, maintenance, or updating the Application at any time without prior notice. We will try to limit the frequency and duration of any such suspension or restriction.

You are responsible for any mobile charges that you may incur by accessing the Application or Services made available through the Application, including text-messaging and data charges. If you're unsure what those charges may be, you should ask your service provider before using the Application or the Services.

2. License; Third Party Content

Subject to these Terms, hike grants you a limited, personal, non-assignable, non-transferable, non-exclusive, revocable, and non-sublicensable license to use and/or access the Application or Services (including the content made available through the Application or Services) provided that: (a) you will use the Application and/or Services solely for lawful purposes only; (b) you will not, nor allow third parties on your behalf to reproduce, reverse engineer, duplicate, copy, sell, create derivative works or otherwise exploit for any commercial purpose the Application (including its content) and/ or Services; (c) you will not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including without limitation images, text, page layout, or form); and (c) you will not use any meta-tags or any other 'hidden text' utilizing hike's name or trademarks. Any unauthorized use of the Application and/or Services terminates the permission or revokes the license granted herein.

Certain content or services made available through the Application or the Services may have been created, published, provided or shared by other users, publishers, and other third parties ("Third Party Content/ Services"). Whether that Third Party Content/Services is the sole responsibility of the person who published / submitted/ provided the Third Party Content/Services. By using the Application and/ or Services, you agree that the hike or its affiliates will not be responsible/ liable for any such Third Party Content/Services in any manner whatsoever. You will not, nor allow third parties on your behalf to reproduce, duplicate, copy, sell, create derivative works or otherwise exploit for any commercial or other purpose any Third Party Content/Services. You will not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including without limitation images, text, page layout, or form). Hike does not guarantee the validity, fitness for a particular purpose, veracity, accuracy or legal status or confidentiality with respect to the Third Party Content/Services.

3. Your Content

The Application or Services may allow you to create, upload, share and/ or store content, including but not limited to photos, profiles (including your name, images and voice),stories, messages, information, text, video, music, third party links and automatic submission of your ‘last seen’ time (collectively, "Content")

By posting your Content through the Application or the Services, you grant hike and our affiliates, a worldwide, non-exclusive, royalty-free, irrevocable, sub-licensable and transferable license to use, copy, reformat, modify, translate, create derivative works, display, sell and distribute such Content for or in connection with the use of the Application or Services. In the event you or any other person appears in any Content submitted to hike by you, you grant hike an unrestricted, worldwide right and license to use your name, likeness, and voice. This means, among other things, that you will not be entitled to any compensation from hike or our affiliates if your name, likeness, or voice is conveyed through the Application or Services. In addition to granting us the aforementioned rights, you also grant us a perpetual license to create derivative works from, promote, exhibit, broadcast, syndicate, sublicense, publicly perform, and publicly display Content posted by you in any form and in any and all media or distribution methods (now known or later developed).

Hike does not assert any ownership over the Content and subject to the rights granted to hike in these Terms, you retain full ownership of the Content and proprietary rights associated with the Content.

You will be solely responsible for all Content that you upload, transmit, share or display through the Application or Services. Hike does not guarantee the validity, accuracy or legal status or confidentiality with respect to any Content and you will be solely responsible to assume all risks for any consequences arising out of uploading, posting, broadcast, transfer or disclosure of the Content. You confirm and warrant that the Content does not violate the representation and warranties you provide under these Terms.

You agree and acknowledge that if you transmit any Content through the Application, you have permission from the rightful owner of the Content or you are otherwise legally entitled to use or transmit the Content and to grant hike and our affiliates all of the license rights granted herein.

Subject to applicable laws, upon deletion of the hike account, hike will delete all your Content from its database and servers within a maximum of 30 days, except to the extent required to be retained by applicable law. For the avoidance of doubt, it is clarified that any part of your Content (viz. your messages, status updates, profile picture updates, materials / files shared by you) stored by your contacts/ friends locally on their device may remain even after you delete your account till it is deleted by such contacts. Similarly, any part of your Content, which is publicly available to other users of hike who have you in their list of contacts (i.e. the content included in the image uploaded by you and the associated time stamp) stored by your contacts may remain after you delete your account till it is deleted by such contacts. The submission of your 'last seen' time is done on an automatic basis.

4. Ownership

You acknowledge and agree that the Application, the Services, including without limitation any content available on the Application and all trademarks, service marks and trade names and other intellectual property rights associated therewith are, and will remain, the property of hike and its licensors, as applicable. All content related to hike corporate and business activities embedded in the Application, including any text, graphics, logos, button icons, images, audio clips and software, is the exclusive property of hike or its licensors and is protected by applicable laws. The compilation (meaning the collection, arrangement and assembly) of any and all content on the Application and Services is also the exclusive property of the hike and is protected by applicable laws.

All software used on the Application and the Services is the property of hike or its licensors / software suppliers and protected by Indian and international copyright laws. Any use except as specifically permitted under these Terms, including the reproduction, modification, distribution, transmission, republication, display or performance, of the content on the Application or the Services is strictly prohibited.

All hike graphics, logos and service names are trademarks of the hike or its affiliates. Hike’s trademarks should not be used in connection with any product or service that is not hike's, in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits hike. The logos and trademarks of third parties on the Application belong to respective third parties / brands and hike has no connection whatsoever with such third parties / brands.

5. Privacy Policy

Please read our Privacy Policy to understand our practices which governs your use of the Application. Any information (including your personal information and/or sensitive personal data or information) provided by you on the Application will be collected, stored, processed, transferred or shared by us in accordance with our Privacy Policy. These Terms are deemed to incorporate the Privacy Policy posted on this Site and accessible/embedded in the Application

6. Your Conduct

(a) You shall be solely responsible for all contents that You upload, transmit, share or display through the Application or the Site, (collectively the “Contents”) including but not limited to any photos, profiles (including Your name and image), messages, information, text, video, music, third party links and automatic submission of your ‘last seen’ time. hike does not guarantee as to the validity, accuracy or legal status or confidentiality with respect to any Contents and You shall be solely responsible and assume all risks for any consequences of uploading, posting, transfer or disclosure of the Contents. You hereby confirm and warrant that the Contents do not violate the representation and warranties provided in Clause 5 above. You further agree that Content you transmit over the Application will not contain third party copyrighted material, or material that is subject to other third party proprietary rights, unless you have permission from the rightful owner of the material or you are otherwise legally entitled to use or transmit the material and to grant hike all of the license rights granted herein.

You represent and warrant that: (i) your use of the Application or the Services will be solely for purposes that are permitted by these Terms; (iii) you will provide true and accurate information (including your mobile phone number and other numbers in your address book) for use of the Application or the Services; (iv) your use of the Application or the Services will at all times comply with applicable laws.

You must not use the Application or the Services for fraudulent purposes or in connection with a criminal offense or other unlawful activity or to send, post, share, use or reuse any material that does not belong to you or that you are not authorized to send; or is illegal, offensive (including but not limited to material that is sexually explicit content or which promotes racism, bigotry, hatred or physical harm), deceptive, misleading, abusive, indecent, harassing, blasphemous, defamatory, libelous, obscene, pornographic, pedophilic or menacing; ethnically objectionable, disparaging or in breach of copyright, trademark, confidentiality, privacy or any other proprietary information or right; or is otherwise injurious to third parties; or relates to or promotes money laundering or gambling; or is harmful to minors in any way; or impersonates another person; or threatens the unity, integrity, security or sovereignty of India or friendly relations with foreign States; or objectionable or otherwise unlawful in any manner whatsoever; or which consists of or contains software viruses, political campaigning, commercial solicitation, chain letters, mass mailings or any spam to cause annoyance, inconvenience or needless anxiety.

7. Modifications

Hike reserves the right at any time and from time to time to interrupt, restrict, modify or discontinue, temporarily or permanently, Application (or any part thereof) or any Services without any cause and/or without any notice to you. You agree that hike and it’s affiliates will not be liable to you or to any third party for any modification, suspension or discontinuance of the Application or Services.

8. Contests and Promotional Events

Hike may from time to time organize contests, draws or other such promotional events (“Events”). In order to be eligible for participation in such Events must be 18 years old or above and a citizen of the Republic of India. In the event that you are below 18 years old, your participation must be supervised by your parents or legal guardian. Hike’s employees, affiliates or agents or any entity directly involved in the development or administration of any Event, and the members of their immediate families (defined as spouse, parents, siblings, children, grandchildren, including "in­-laws" of each) are not eligible to participate in such Events.

Participants who win such Events shall be notified, either by a notification in the Application, SMS or phone call. Winners who are not reachable/contactable for five (5) consecutive working days shall be automatically disqualified and we shall draw an additional winner to substitute the disqualified winner.

Any rewards to which winners may be entitled to, shall be given on ‘as is’ basis and without warranty of any kind, express or implied (including, without limitation, any implied warranty of merchantability or fitness for a particular purpose) will not be exchangeable, replaceable or returnable under any circumstance whatsoever. Hike reserves its right to substitute such rewards with rewards of equal or greater value. In the event that a winner incurs any tax liability with respect to the rewards, such tax is the sole responsibility of the winner.

Winners shall be required to provide a valid identification card with photo prior to claiming their reward. In the event a winning participant is below 18 years old their parent or legal guardian will be required to provide a valid identification card and sign a consent form for the participant to be able to claim their reward. In the event that the winning participant fails to provide a valid identification card or a signed consent letter and a valid identification card within 30 days of first contact by us, the participant shall be automatically disqualified and we shall draw an additional winner to substitute the disqualified winner.

Hike reserves the right to withdraw or discontinue any Event at any stage without incurring any liability whatsoever. Hike’s decisions on all matters pertaining to such Events will be final and binding.

9. Disclaimer of Warranties

YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, YOUR USE OF THE APPLICATION OR SERVICES IS AT YOUR SOLE RISK AND DISCRETION. THE APPLICATION IS LICENSED TO YOU "AS-IS," "WITH ALL FAULTS," AND "AS AVAILABLE." YOU BEAR THE RISK OF USING IT. HIKE AND/ OR ITS AFFILIATES GIVES NO EXPRESS WARRANTIES, GUARANTEES, OR CONDITIONS UNDER OR IN RELATION TO THE APPLICATION OR SERVICES. HIKE AND/ OR ITS AFFILIATES EXCLUDE ANY IMPLIED WARRANTIES OR CONDITIONS, INCLUDING THOSE OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON- INFRINGEMENT.

HIKE MAKES NO WARRANTY AGAINST AND WILL NOT LIABLE OR RESPONSIBLE FOR: (A) INTERFERENCE OF YOUR ENJOYMENT OF THE APPLICATION OR SERVICES; (B) LOSSES OR DAMAGES INCLUDING ANY PERSONAL INJURY ARISING FROM OR IN ANY WAY RELATED TO YOUR ACCESS OR USE OF THE APPLICATION AND/ OR SERVICES; (C) USE OF ANY CONTENT POSTED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE THROUGH THE APPLICATION AND/ OR SERVICES; (D) FAILURE, SUSPENSION OR WITHDRAWAL OF ALL OR PART OF THE APPLICATION AND/ OR ANY SERVICE AT ANY TIME; (E) ANY BUGS, VIRUSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH OUR APPLICATION OR SERVICES; (F) FUNCTIONAL, UNINTERRUPTED, ERROR-FREE OR BUG-FREE DELIVERY OF THE APPLICATION AND/ OR SERVICES; (G) SECURITY, RELIABILITY OR TIMELINESS OF THE APPLICATION AND/ OR SERVICES. ANY CONTENT OR MATERIAL DOWNLOADED THROUGH YOUR USE OF THE APPLICATION AND/ OR SERVICES IS AT YOUR OWN DISCRETION AND RISK AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE OR LOSS OF DATA OCCURRING ON YOUR DEVICE OR ANY OTHER LOSS OR DAMAGES OF ANY KIND RESULTING FROM THE DOWNLOAD AND USE OF THE APPLICATION AND/ OR SERVICES. NO ADVICE, COURSE OF CONDUCT OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM HIKE OR ANY PARTY OR THROUGH THE APPLICATION/ OR SERVICES WILL CREATE ANY WARRANTY UNLESS EXPRESSLY STATED IN THESE TERMS.

WHILST HIKE WILL UNDERTAKE ALL REASONABLE EFFORTS AND DUE DILIGENCE TO ENSURE SECURITY AND INTEGRITY, HIKE WILL, IN PARTICULAR, NOT BE LIABLE FOR THE FOLLOWING: DELAY OR ERRORS IN TRANSMISSION AND/ OR STORAGE OF INFORMATION TO OR THROUGH HIKE THAT MIGHT OCCUR FROM TIME TO TIME INTRUSION, DISTORTION, LOSS OR FORGERY OF DATA, ETC DUE TO ACT OF ANY THIRD PARTY, FAILURE OF ANY SOFTWARE AND/OR HARDWARE OR TELECOMMUNICATION SERVICE PROVIDER(S) USED BY US OR ANY OTHER ACT BEYOND OUR REASONABLE CONTROL.

YOU WILL BE LIABLE FOR ANY CONSEQUENCES WHATSOEVER RESULTING FROM ANYTHING TRANSMITTED OR CAUSED TO BE TRANSMITTED BY YOU, TO OR THROUGH THE APPLICATION/ OR SERVICES.

WHILST HIKE SHALL UNDERTAKE ALL REASONABLE EFFORTS AND DUE DILIGENCE TO ENSURE SECURITY AND INTEGRITY, HIKE SHALL, IN PARTICULAR, NOT BE LIABLE FOR THE FOLLOWING: DELAY OR ERRORS IN TRANSMISSION AND/OR STORAGE OF INFORMATION TO OR THROUGH HIKE THAT MIGHT OCCUR FROM TIME TO TIME; INTRUSION, DISTORTION, LOSS OR FORGERY OF DATA, ETC DUE TO ACT OF ANY THIRD PARTY, FAILURE OF ANY SOFTWARE AND/OR HARDWARE OR TELECOMMUNICATION SERVICE PROVIDER(S) USED BY US OR ANY OTHER ACT BEYOND OUR REASONABLE CONTROL.

YOU SHALL BE LIABLE FOR ANY CONSEQUENCES WHATSOEVER RESULTING FROM ANYTHING TRANSMITTED OR CAUSED TO BE TRANSMITTED BY YOU, TO OR THROUGH THE APPLICATION.

10. Limitation of Liability

To the maximum extent permitted by applicable laws, under no circumstance will hike or its affiliates, their respective directors, employees or agents be liable to you or any third party for personal injury, or any special, incidental, indirect, punitive or consequential damages whatsoever, including, but not limited to, damages for loss of profits or revenues, goodwill, failure to transmit or receive any data, loss of confidential information, business interruption, loss of privacy, corruption or loss of data, failure to receive or backup your data (or archived data), for any cause of action, including contract, tort (including negligence) or otherwise and any other loss whatsoever arising out of or in any way arising from or related to the use of Application, or following a failure, suspension or withdrawal of all or part of the Application at any time, any third party content, software or functions used in connection with the Application even if hike or any or all of its agents have been advised of the possibility of such damages. Notwithstanding anything to the contrary, our maximum aggregate liability to you for any causes whatsoever, and regardless of the form of action (whether liability arises due to negligence or other tort, breach of contract, violation of statute, misrepresentation or for any other reason), will at all times be limited to the amount paid by you, if any, for using any Services giving rise to the cause of action or Rupees one thousand only (Rs. 1000), whichever is lesser.

11. Indemnification

You agree to indemnify, defend and hold harmless hike, its subsidiaries, affiliates and agents and each of their respective officers, directors, employees, successors and assigns from and against any claim, proceeding, loss, damage, liability, cost, demand or expense (including but not limited to attorney's fees) of any kind arising out of: (i) your access to or use of the Application and Services; (ii) any breach of these Terms; (iii) your violation of the rights of a third party, including but not limited to infringement of any intellectual property, proprietary right or trade secret of any person or entity, or of any privacy or consumer protection right that is implicated herein; (iv) any violation of law or contractual obligation and any claims, demands, notices pursuant to such violation; (v) your negligence or misconduct. These obligations will survive termination of these Terms

12. Force Majeure

Hike will not be liable to you for any eventuality caused directly or indirectly by any act of God, wars (declared or undeclared), insurrections, acts of terrorism, acts of governments or boycotts, lockouts and other civil unrest, or any act of similar nature beyond hike's reasonable control.

13. Children

The Application and/or the Services should only be used or accessed by persons who are competent to enter into a legally binding contract under the Indian Contract, 1872. If you are a minor (i.e. you are under the age of 18 years), you may use the Application or Services only with the involvement of your parent or guardian.

14. Communications

Hike may communicate with you through e-mail, SMS, telephone, by posting notifications on the Application (including push notifications) or any other means of communication. By using the Application, you consent to receive such communications from hike in relation to the Application and/or Services, your account information or any updates/ changes to the Application/ Services and/ or other promotional or marketing communications from hike.

15. Amendments to this Agreement

Please review these terms regularly. We may in our sole discretion modify or amend these Terms from time to time without any prior notice. Your use of the Application or Services upon publication of such modified or amended terms will constitute your deemed acceptance to the modified or amended Terms.

16. Entire Agreement

You agree that these Terms read with the terms of the Privacy Policy and/or any other terms/ policies relating to the Application and/or Services posted by hike on the Application will constitute the complete agreement between you and hike and supersedes any and all proposals, representations or prior agreements, oral or written, and any other communications between you and hike relating to the subject matter of these Terms.

17. Severability

If one or more provisions of these Terms are held to be unenforceable under applicable law(s), the remainder of these Terms will be valid and enforceable.

18. Waiver

If you breach these Terms and hike takes no action, we will still be entitled to use our rights and remedies in any other situation where you breach these Terms.

19. Governing Law

These Terms are governed by the laws of India. You irrevocably consent to the exclusive jurisdiction of courts at Delhi, India for all disputes arising out of or relating to these Terms.

20. Grievance Officer

In the event you have any queries/complaints regarding usage of Application, please contact grievanceofficer@hike.in. The complaints will be redressed in the manner provided under the Information Technology Act, 2000 and rules framed thereunder.

21. Right to Take down

You understand and agree that hike may takedown, delete or remove any content available on the Application in its sole discretion, without any notice to you, for any reason whatsoever including on account of your violation of these Terms or if required in accordance with applicable law (including but not limited to the Information Technology Act, 2000).

Social and Sharing Services

Your use of Hike’s Social and Sharing Services or any part of thereof, is governed by the following terms (“Social and Sharing Services Terms”) in addition to the Terms. Please review these Social and Sharing Services Terms before you access or use Hike’s Social and Sharing Services. Hike’s Social and Sharing Services include but are not limited to instant messaging services, audio and video calling, stories, live filters, etc.

If there is any conflict between the Terms and these Social and Sharing Services Terms, the Social and Sharing Services Terms shall prevail to the extent of such conflict. All terms used but not defined herein shall have the respective meanings assigned to them under the Terms.

Your Account

You are responsible for all activity that occurs in your hike account. By using the Services, you agree that:

Additional Audio and Video Call Terms

You understand that hike does not provide calling or connections to telephone numbers and hike’s audio and video calling services can be used only within the closed hike network.

Video Call: You understand that when you use hike’s video calling feature to call other hike users, your live feed will be displayed on the receiver’s phone screen.

Emergency Calls: You understand and agree that the Service is not capable of placing or receiving emergency services calls.

hike to SMS
The hike to SMS feature permits you to send a message to other hike users who may be offline. For this purpose, you authorize hike to notify you if the user you are attempting to message is offline. You further authorize us to send your last posted message in the chat thread as an SMS to other user in the event that you click on the ‘Send as SMS’ button.

Platform Services

Your use of Hike’s Platform Services or any part of thereof, is governed by the following terms (“Platform Services Terms”) in addition to the Terms. Platform Services include but are not limited to News, Channels, Games, Hike Daily, Just for Laughs, Hike Run, Cricket, Third Party Content/Services or e-commerce services made available through the Application.

Any capitalized term which has not been defined in these Platform Services Terms shall have the meaning ascribed to them in the Hike’s Terms of Service.

Copyright Notice

If you believe in good faith that any content displayed or transmitted through the Application infringes your copyright, you may reach us at legal@hike.in

Report Abuse

If you in good faith believe that any content made available through the Application is offensive or opposed to public policy you may choose to report any such content. We may, review such content and remove the content at our discretion and/or as mandated by applicable laws.

Hike Run

The platform may includes features that promote physical activity. Consider the risks involved and consult with your medical professional before engaging in any physical activity. Hike is not responsible or liable in any manner for any injuries or damages you may sustain that result from your use of, or inability to use, the features of the Hike Run.

Bill Payment Services:

1. Description of Bill Payment Service

Hike provides bill payment services that allow You to make payments to certain third parties (“Bill Payment Services”). To be eligible to use the Bill Payment Services, You must be a resident of the India. In order to use the Bill Payment Services, You may be required to provide us with your account information with billers you would like to make payments to (such as your customer account number or customer ID) and any information necessary for us to access Your accounts with such billers (such as phone number, email address, etc) ("Bill Payment Account Information"). By using the Bill Payment Services, You expressly authorize hike to store, use and access the Bill Payment Account Information, on Your behalf solely for the purpose of providing the Services to You. As a risk management measure, hike reserves the right not to process transactions which hike in its sole discretion determines to be high risk, suspicious or fraudulent in any manner.

You understand and agree that you are responsible for the accuracy of the information you provide with respect to each payment request you make, including the Bill Payment Account Information, telephone number, the amount of the transaction, etc.

2. Scheduling your payments

Payment posting times will vary depending upon the biller you select. When hike receives a payment instruction, You authorize us to send instructions to payment system providers to debit your card/ bank account/prepaid account/card and remit payments to billers on your behalf. Payments are subject to the policies and procedures of billers. We are not liable for processing delays by the biller, nor are We liable if You fail to schedule payment dates in a timely manner.

3. Late charges

You are solely responsible for paying any and all late charges and penalties levied by a biller.

4. Payment history

Hike does not send periodic statements showing Your bill payment history. You may access information about your bill payment requests using the Application. You should also confirm your bill payment requests against any statements or payment records provided by the biller and your payment source.

Hike Wallet Services

Hike Wallet is a service provided by Hike Private Limited and its partners, and is subject to the Hike Terms and these Hike Wallet Terms of Service.

Your use of the Hike Wallet Services or any part of thereof, requires that you agree to the following terms. Please review these Hike Wallet Terms of Service before you decide whether to accept them and access or use of Hike Wallet Services (as defined below). If you do not agree to these Hike Wallet Terms of Service or do not wish to be bound by them, you may not use the Hike Wallet Services.

If there is any conflict between the Terms and these Hike Wallet Terms of Service, the Hike Wallet Terms of Service shall prevail to the extent of such conflict. All terms used but not defined herein shall have the respective meanings assigned to them under the Terms.

General Terms

1. Hike Wallet Services

Hike Wallet is a digital payment solution, which inter alia enables you to make payments with respect to transactions for purchase/availing of products or services made on and through the Application, third party merchant applications or websites and physical stores or make payments to individuals both within and outside the Hike network.

Hike Wallet Services inter alia include the following payment instruments/services:

By agreeing to these Hike Wallet Terms of Service, you hereby agree to the terms and conditions for the abovementioned payment instruments/services. Hike or its partners may update these terms and conditions from time to time.

In addition to the abovementioned payment instruments/services, we facilitate you to make use of your debit card, credit card, net banking and any other acceptable modes of payment mechanism provided by us or our partners.

You understand, acknowledge and agree that Hike is not a bank and the Hike Wallet Services should in no way be construed as the provision of banking services.

2. Registration and Use of Hike Wallet Services

In order to use the full suite of Hike Wallet Services, you need to register on the Application. Hike may require you to provide certain personal information, including Know Your Customer information/documents, at the time of registration for Hike Wallet Services and/or on a later date, for the purpose of due diligence and availing and/or continuing to avail Hike Wallet Services (“Due Diligence Documents/Information”). In the event that you have requested for issuance/availing of certain payment instruments/services forming part of Hike Wallet Services, we may share the Due Diligence Documents/Information provided by you with our partners for the purpose of compliance with Know Your Customer related laws, rules, regulations and directions issued by the Central Government or the Reserve Bank of India or any other regulatory authority.

You hereby authorize us, directly or through third parties, to make any inquiries that we may consider necessary to validate and/or authenticate your identity for the purpose of provision or continued provision of Hike Wallet Services to you.

You shall ensure that all information provided by you to Hike will be accurate and complete at all times. In the event that Hike or its partners determine that the information provided by you incorrect and/or outdated, your access to Hike Wallet Services or any part thereof may be suspended or terminated.

3. Rights You Grant To Us

For the purpose of availing Hike Wallet Services, you may submit certain information, data, passwords, user name, other login information, materials and other content to us. By submitting the aforementioned information/data to us, you are granting us the right to use that for the purpose of providing you Hike Wallet Services. We may use, access and store the information/data in accordance with Hike Terms, these Hike Wallet Terms of Service and our Privacy Policy, without any obligation by us to pay any fees or be subject to any restrictions or limitations. By using the Services, you expressly authorize Hike to access your account information and payment information and submit the same further for processing your payments to any party to whom it is required to be submitted for the purpose of providing you Hike Wallet Services. We shall be acting as an intermediary, while providing you payment facilitation services. You agree that our role is limited to facilitating your payment instructions and providing other values added services.

4. Transaction Confirmation And Transaction History

When your payment instructions are successfully processed with respect to a transaction, we will update your Hike Wallet transaction history and provide you with a transaction confirmation. This confirmation will serve as a receipt of the transaction. You acknowledge that we will only release the transaction confirmation upon receiving confirmation with respect to the authentication, authorization and processing of such transaction from the provider of the payment system. We will not be responsible or liable for any transactions that have not been confirmed to us by the providers of the payment system/instrument.

5. Risk Monitoring

You understand and acknowledge that we may monitor your transactions and processing activity for identifying any high-risk practices, security concerns or for fraudulent transactions. We may also engage third-party service providers to assist in these efforts and other elements of the Hike Wallet Services. If we believe there is a suspicious or unusual activity, we may temporarily or permanently suspend your access to Hike Wallet Services or any part thereof. Suspicious or unusual activity includes, but is not limited to changes in your average transaction amount or processing pattern or use of different payment accounts.

6. Prevention of Unauthorized Access and Security Procedures

Unauthorized access to your financial information:

In order to prevent unauthorized access to your sensitive personal information, you agree to:
a) maintain the security of the Hike Wallet Services provided to you by not sharing sensitive personal information such as passwords, MPIN etc., with others and restricting access to your account on your mobile device;
b) ensure that you enable authentication for access to your mobile device such as a pattern lock, password protection, etc. and not leave your mobile device unattended or unlocked; and
c) take responsibility for all activities that occur under your Hike account and accept all risks of unauthorized access. If you believe your password or devices has been lost or stolen, or if you suspect any suspicious or fraudulent activity, please immediately report this to us immediately at support@hike.in.

You are solely responsible for any unauthorized access to your personal or financial information that result from your failure to properly follow the security procedure detailed in these Hike Wallet Terms of Use. Hike will not be responsible or liable for any loss, damage or other liability arising from your failure to comply with Hike Wallet Terms of Use. We will also have no liability and you agree to assume all risks of loss that arises out of or relates to any loss or theft of your mobile device or any information contained within any such device.

Security Measures: In order to ensure safety of your personal information, we have engaged partners providing Payment Card Industry Data Security Standard (PCIDSS) and ISO 27001 certified services. We have implemented technical and organizational measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration or disclosure. However, we cannot guarantee that unauthorized third parties will never be able to defeat those measures or use your personal information for improper or illegal purposes. You acknowledge that you provide your personal information at your own risk.

7. Your Responsibilities

a) You agree and understand that when you purchase/avail any goods or services or make payment to a Merchant using Hike Wallet Services, we are not a party to the contract between you and the Merchant. We do not endorse any Merchant or the products or services offered by them. We are under no obligation to monitor the Merchant's service used by you and we shall not be responsible or liable for any deficiency or default in goods and/or services purchased using Hike Wallet Services. The Merchant alone will be responsible and liable for all obligations and you must resolve any dispute with or complaint directly with the Merchant. You are instructed to satisfy yourself regarding the quality, quantity and fitness of any good and/or service before purchasing the same.

Explanation: The term Merchant(s) shall mean sellers, retailers or e-commerce marketplace or such other organizations, establishments or business entities who accept Hike Wallet Services or any part thereof for the purpose of collecting payments from you. The terms Merchants shall include sellers offering products or services or collecting money through micro-applications on the Application.

b) You understand that payment instructions given using Hike Wallet Services are irrevocable. In the event that you transfer any amount erroneously to a Merchant or any other person using Hike Wallet Services, we shall not be liable to refund such amount to you under any circumstances.

c) The refund of any payment made shall depend completely upon the legitimacy of the dispute raised by you (as determined by hike) and us having/receiving sufficient funds of/from the Merchant in order to refund the transaction amount to you. Further, we shall in no way be liable for such refunds.

d) In the event of any dispute with respect to transactions carried out through Hike Wallet Services, Hike’s records shall be binding as the conclusive evidence of the transaction.

e) You will be solely responsible for payment of any taxes, charges, duties or other governmental levies or any financial charges that may be imposed on any products or services purchased using Hike Wallet Services.

f) You agree that you will not use Hike Wallet Services or any part thereof for any unlawful or illegal purpose. Your use of Hike Wallet Services shall at all times be in compliance with applicable laws including rules, regulations or directions issued by the Reserve Bank of India. In the event that you fail to comply with clause, we are entitled to temporarily or permanently suspend or terminate the Hike Wallet Services being provided to you or any part thereof.

8. Complaint Redressal

We are here to help you resolve any issue with the Hike Wallet Service. As a first step, please visit the Help section in the setting menu of the Application for information.

First Point of Contact: If you have an issue or question, telephone Hike Support at 1800-103-4453

Complaints Registration: You can register your grievances/complaints and provide feedback in writing. You can approach us to register a complaint through any of the service touch points given hereunder:

Resolution of Complaints:
First response to a complaint – within 24 business hours
Resolution – 3 Business Days
Refund Related Complaints – 7-10 business days

Level 1 Escalation
If your complaint has not been resolved within 3 days, please send an email to grievanceofficer@hike.in
Resolution of Complaints:
First response to a User’s complaint – within 24 business hours
Resolution – 15 Business Days

Level 2 Escalation
In the event, your complaint is not resolved in 15 Business Days of escalation to Level 1, please send an email to nodalofficer@hike.in. Resolution of Complaints:
First response to a User’s complaint – within 24 business hours
Resolution – 15 Business Days
Users are proactively informed of delays if any, in the resolution.

Hike Wallet Issued by Yes Bank

These terms and conditions regulate the use of the Pre-paid Payment Instrument issued by Yes Bank Limited (“Yes Bank”) and co-branded by Hike Private Limited under the name ‘Hike Wallet Issued by Yes Bank’ (“Hike Wallet Issued by Yes Bank”). Your use of the Hike Wallet Issued by Yes Bank indicates your acceptance of the terms and conditions contained herein. Please read the terms of use carefully before proceeding. You understand that in addition to these terms and conditions, use of the Hike Wallet Issued by Yes Bank is subject to Hike Terms and the Hike Wallet Terms of Service.

1. Definitions
The following words and phrases shall have the meanings set out herein below:
"Customer" shall mean a registered user of the Application and Services to whom a Hike Wallet Issued by Yes Bank has been issued by Yes Bank.

"Hike Wallet Issued by Yes Bank" means a virtual payment account comprising a reloadable semi-closed prepaid payment instrument and/or prepaid gift instrument(s), issued by Yes Bank and co-branded by Hike. The Hike Wallet Issued by Yes Bank may be used by Customers to make payments for goods and services (including financial services) purchased from Merchants or for Person-to-Person Transfers or for any other purposes as may be specified from time to time.

"KYC" stands for Know Your Customer and refers to the various norms, rules, laws, regulations and statutes issued by RBI from time to time under which you shall be required to provide personal identification details before any services can be delivered to you. Hike and Yes Bank may require KYC documents/information from the Customer at the time of issuance of the Hike Wallet Issued by Yes Bank and/or on a later date, for availing and/or continuation of the Hike Wallet Issued by Yes Bank.

"Person-to-Person Transfer" refers to a facility to transfer funds from (a) a Hike Wallet Issued by Yes Bank to any other Hike Wallet Issued by Yes Bank, or (b) to any savings or current bank account, or (c) any other account/instrument as may be specified by Hike or Yes Bank from time to time.

"RBI" means the Reserve Bank of India.

"Service Charge" shall mean the charge, which Yes Bank and/or Hike may levy upon you in consideration for subscribing to the Hike Wallet Issued by Yes Bank.

"Transaction" shall mean an online and offline payment made by a Customer to a Merchant through the Hike Wallet Issued by Yes Bank; or to other Customers through Person-to-Person Transfer and shall include loading/reloading of the Hike Wallet Issued by Yes Bank.

"Yes Bank Limited" or "Yes Bank" or "Bank" shall mean Yes Bank Limited a company within the meaning of the Companies Act, 1956 and a banking company within the meaning of Section 5(c) of the Banking Regulation Act, 1949 having its registered office at 9th floor, Discovery of India Building, Nehru Centre, Dr. Annie Besant Road, Worli, Mumbai – 400018

"Blue Packets" shall mean virtual greeting cards that enable a Customer to make Person-to-Person Transfers (limited to Hike Wallet Issued by Yes Bank to Hike Wallet Issued by Yes Bank Transfers) via Hike’s instant messaging service within the Application. Blue Packets may be sent to other Customer(s) either through a person-to-person chat thread or group chat thread within the Application.

2. Issuance of Wallets
Upon successful registration on the Application, you will be issued a Hike Wallet Issued by Yes Bank. For the purpose of issuance of the Hike Wallet Issued by Yes Bank, you authorize Hike to share information, provided by you to hike the time of registration, with Yes Bank. If you are an existing user of hike, you will be issued Hike Wallet Issued by Yes Bank upon registering for Hike Wallet Services and you authorize Hike to share information, provided by you to hike the time of registration on the Application, with the Bank

You may request your Hike Wallet Issued by Yes Bank, i.e., the semi-closed prepaid payment instrument issued to you, to be upgraded to a full-KYC prepaid payment instrument with enhanced limits. You understand that in order for hike to submit such request to Yes Bank, we will required to provide your KYC information to Yes Bank and hereby authorize hike to share your Customer Due Diligence Documents/Information with Yes Bank. Your Hike Wallet Issued by Yes Bank shall be upgraded to a full-KYC prepaid payment instrument upon verification of the Customer Due Diligence Documents/Information and approval of your request by the Bank

You understand and agree that the Bank may reject any application made for issuing a Hike Wallet Issued by Yes Bank without assigning any reason.

You understand and agree that the Hike Wallet Issued by Yes Bank is not transferable. No interest will be payable by hike or Yes Bank to Customers on the amount held in the Hike Wallet Issued by Yes Bank.

3. Loading funds to the Wallet
You may load or reload funds into your Hike Wallet Issued by Yes Bank through multiple means. These may include, but are not limited to, credit cards, debit cards, Internet banking, cash and UPI. The Hike Wallet Issued by Yes Bank can also be loaded or reloaded from refunds/cancellations that might arise due to cancellations and returns of transactions made at Merchants or upon the Application.

The Hike Wallet Issued by Yes Bank may also comprise of prepaid gift instruments issued by way of incentives such as cash back, gifts, etc. by Hike, Merchants, other Customers or third parties or such other manner as is acceptable to Hike or Yes Bank.

When you make a Transaction for loading funds into the Hike Wallet Issued by Yes Bank, you are liable to Hike for the full or partial amount (as the case may be) with respect to such Transaction, in the event that Transaction the is later invalidated for any reason including but not limited to chargeback, reversal of Transaction, dispute by the holder of the funding source/account, etc. You agree to allow hike to recover any amounts due to hike by debiting your Hike Wallet Issued by Yes Bank. In the event that the funds in Hike Wallet Issued by Yes Bank are insufficient to cover the amount associated with the invalidated Transaction, you agree to reimburse hike through other means including taking appropriate legal action to collect the amount due, to the extent allowed by Applicable Law. In addition, hike reserves the right to suspend or terminate your Hike Wallet Issued by Yes Bank or any Services provided to you.

4. Transaction Limits and Permissible Transactions:
The maximum value that can be stored in the Wallet at any point of time and the total value of funds loaded in the Hike Wallet Issued by Yes Bank during a month shall be as prescribed by RBI from time to time.

In case of semi-closed prepaid payment instruments, issued upon acceptance of minimum information, the maximum amount that can be transferred from one Hike Wallet Issued by Yes Bank to another Hike Wallet Issued by Yes Bank or a bank account in a single Transaction is INR 5,000/- (Indian Rupees Five Thousand only). The maximum amount that can be transferred from one Hike Wallet Issued by Yes Bank to another Hike Wallet Issued by Yes Bank or a bank account in a single month is INR 25,000/- (Indian Rupees Twenty Five Thousand only)

In case of prepaid gift instruments, the maximum value of each such payment instrument shall not exceed INR 50,000/- (Indian Rupees Fifty Thousand Only). The validity of such prepaid gift instruments shall be six months.

The Customer shall be able to use the Hike Wallet Issued by Yes Bank only to the extent of the amount held in the Hike Wallet Issued by Yes Bank and no credit shall be offered by Yes Bank or Hike.

You understand and acknowledge that the RBI does not permit withdrawing money from Hike Wallet Issued by Yes Bank. Any outstanding amount in the Hike Wallet Issued by Yes Bank can be utilized only to make payments for Transactions at Merchants and Person-to-Person Transfers. You authorize Yes Bank and hike to debit any value from your Hike Wallet Issued by Yes Bank that is utilized towards making any Transaction. Yes Bank and hike’s responsibility is limited to the debiting of your Hike Wallet Issued by Yes Bank and settlement of funds to Merchants or Customers in accordance with your instructions.

Hike and its partners may monitor Transactions to identify high-risk & fraudulent transactions. If a particular Transaction is classified as a high-risk Transaction or if we suspect a Transaction to be a fraudulent Transaction, we may place the Transaction on hold and ask you for more information, which may include information to verify your identity. The Transaction shall be processed as per your instruction only upon successful verification of Information by Hike. In the event that you do not provide hike the information so requested or hike is unable to verify the information provided, the Transaction may be cancelled and the funds deducted (if any) will be refunded to the source account.

It is your responsibility to ensure availability of sufficient funds before executing any Transaction from the Hike Wallet Issued by Yes Bank.

5. Validity
At present, Yes Bank or hike has not prescribed an expiry period for the Hike Wallet Issued by Yes Bank or a forfeiture policy for balance funds in the Hike Wallet Issued by Yes Bank upon such expiry.

Yes Bank and hike reserves the right to introduce a policy as per the applicable RBI guidelines for wallet expiration and balance forfeiture in future. The terms with respect to any such policy will come into effect from the date that the terms are posted as a part of the Hike Wallet Terms of Service.

6. Service Charges
Hike or Yes Bank may from time to time prescribe Service Charges payable towards your use of the Hike Wallet Issued by Yes Bank or Transactions therefrom. Such Service Charges may be revised, increased, or reduced at any time at the sole discretion of Hike and/or Yes Bank, without prior intimation to the Customer.

Current Schedule of Service Charges:

Nature of Transaction Charges Applicable
Loading funds to the Hike Wallet Issued by Yes Bank Nil
Payments to Merchants Nil
Hike Wallet Issued by Yes Bank to Hike Wallet Issued by Yes Bank Transfer Nil
Hike Wallet Issued by Yes Bank to Bank Account Transfer Nil

7. Blue Packets
By opting to send a Blue Packet you pre-authorize Hike to block such amount that you are desirous of transferring to another user(s) from/in your Hike Wallet Issued by Yes Bank. Accordingly, once you send a Blue Packet either to a single of a group of recipient(s), an amount corresponding to the value of the Blue Packet sent by you will be blocked in your Hike Wallet Issued by Yes Bank. This amount shall get debited from your Hike Wallet Issued by Yes Bank and credited to the Hike Wallet Issued by Yes Bank of the recipient(s) only upon acceptance of the Blue Packet by the recipient(s).

Explanation: Clicking of the Blue Packet in the chat thread by the recipient(s) (either in personal chat or group chat) amounts to acceptance.

In the event any of the recipient(s) do/does not accept by clicking the Blue Packet within 48 hours of the Blue Packet being sent by you, the corresponding funds allocated under your Blue Packet shall be unblocked in your Hike Wallet Issued by Yes Bank. Please note that once a Blue Packet is sent, you will not be able to re-call or cancel the instruction. Upon acceptance of the Blue Packet by the recipient(s) the corresponding amount will debited from your Hike Wallet Issued by Yes Bank and credited to the recipient(s) Hike Wallet Issued by Yes Bank.

You must ensure that you already have or load adequate funds to your Hike Wallet Issued by Yes Bank, before to sending a Blue Packet.

At present we allow you to send a maximum of Rs. 5,000 through a single Blue Packet. In aggregate, you can send Rs. 20,000 in a month through Blue Packets. Although, please note the Blue Packet recipient(s) will not receive the allocated funds, if the transfer results in exceeding the maximum monetary limit of her/their Hike Wallet Issued by Yes Bank. In this case, the entire amount allocated for transfer to that recipient(s) through the Blue Packet, will be unblocked from your Hike Wallet Issued by Yes Bank. Subject to guidelines/notifications issued by RBI from time to time these limits can be changed at Hike’s sole discretion.

In the event that you choose to send a Blue Packet in a group chat thread within the Application, you may instruct Hike to distribute the amount equally or unequally between the intended number of recipients (as instructed by you) within the group. In the event that you instruct Hike to distribute the amount unequally between the intended number of recipients, you hereby authorise Hike to distribute randomized amounts to each intended recipient accepting Blue Packet. If the recipient(s) do/does not accept the Blue Packet within 48 hours, the remaining amount allocated under your the Blue Packet shall be unblocked in your Hike Wallet Issued by Yes Bank.

You hereby confirm that the recipient(s), has been authorised by you to receive the amount allocated under the relevant Blue Packet, in the manner specified above.

Hike disclaims any and all liability whatsoever that may arise due to your selection of a particular beneficiary of a Blue Packet.

8. Compliant Redressal
Please follow the complaint redressal process mentioned above. In case your complaint remains unresolved for a period of 30 Business Days from the date of registering the complaint, you can approach Yes Bank with the details of complaint.
Turn-around-Time: 10 Business days from the Date of receipt.

Unified Payment Interface Service Terms

The Application is a UPI compliant application, which may be used for transfer of money from your UPI enabled bank account to another UPI enabled bank account. Transfer of money through UPI may either be in the form of person-to-person money transfers or payments owed to Merchants.

These Unified Payment Interface Service Terms regulate the use of UPI Services (as defined below) by you. Your use of UPI Services indicates your acceptance of these Unified Payment Interface Service Terms. Please read the terms of use carefully before proceeding. You understand and agree that in addition to these terms and conditions, use of the UPI Services is subject to Hike Terms and the Hike Wallet Terms of Service.

1. Definitions
The following words and phrases shall have the meanings set out herein below:

"Authentication Credentials" shall mean password, biometrics, PIN etc., as provided by the PSP or 3rd party provider like UIDAI, from time to time, which shall be required by the Customer for completion of the transfer of funds through UPI.

"Beneficiary Bank" shall mean the bank holding a bank account of the Receiver where the credit of the UPI instruction is received from the Payer to be executed either in real time basis or periodically with a settlement process.

"Customers" shall be used to collectively refer to Payer(s) and Receiver(s) using UPI Services enabled on the Application for initiating and executing Transactions.

"NPCI" shall mean the National Payments Corporation of India, a company incorporated under Section 25 of the Companies Act, 1956 and having its registered office at 1001A, B wing 10th Floor, The Capital, Plot 70, Block G, Bandra- Kurla Complex, Bandra (East), Mumbai - 400 051, and acting as the settlement, clearing house and regulating agency for UPI Services.

"Payer" shall mean any person holding a banking account and who desires to pay money to the Receiver for purchase of goods or services online using the UPI Services, being offered by the PSP through the Application.

"Payment Service Provider" or "PSP" shall mean an entity, which is allowed to issue virtual addresses to the customers and provide payment (credit/debit) services to individuals or entities and regulated by the Reserve Bank of India, in accordance with the Payments and Settlement Systems Act, 2007. Yes Bank acts as PSP for provision of UPI Services on the Application.

"UPI Services" shall mean the inter-bank fund transfer services being provided by the NPCI through the Unified Payment Interface, a multi-platform operable payment network solution. UPI enables push and pull based payments, i.e., payment to other users and collection of payment from other users in accordance with rules, regulations and guidelines issued by NPCI and the Reserve Bank of India from time to time.

"Virtual Address" or "VPA" means a unique Payment Identifier issued by a PSP to a Payer or a Receiver that, among other things, can be used to identify a bank account.

"Yes Bank Limited" or "Yes Bank" or "Bank" shall mean Yes Bank Limited a company within the meaning of the Companies Act, 1956 and a banking company within the meaning of Section 5(c) of the Banking Regulation Act, 1949 having its registered office at 9th floor, Discovery of India Building, Nehru Centre, Dr. Annie Besant Road, Worli, Mumbai – 400018.

"Receiver" shall mean any person or the Merchant holding a banking account, who is desirous to receive payments from the Payer over the Internet using the UPI Services. In case the Payer is Customer of the Merchant and is paying money to the Merchant for purchase or utilization of goods and services from the Merchant, the Merchant shall be the Receiver.

"Transaction" shall mean every payment instruction that results in a debit to the Payer’s bank account and a corresponding credit to the Receiver’s bank account.

2. Scope of UPI Services
a) The Customer understands that: (i) the Customer’s personal mobile phone shall be used as the primary device for all transfer of funds made UPI Services including person to person, person to entity, and entity to person; (ii) UPI Services may require the Customer to provide information including but not limited to Aadhaar number, mobile number, card number, and account number; (iii) enable the Customer to make payments only by providing the Receiver’s VPA or phone number; (iv) the Customer may send pull or collect requests to other Customers (person to person or entity to person) with "pay by" date to allow payment requests to be “snoozed” and paid later before expiry date, until Customer is ready to pay, without having to block the money in the Customer’s bank account; (v) UPI Services may be used to pre-authorize multiple recurring payments with a one-time secure authentication and rule based access.

b) The Customer undertakes to execute such documents and in such form or manner as may be required by the PSP from time to time, for the purpose of activating, initiating or making transfer of funds via UPI Services.

c) The Customer understands and agrees that all instructions given by the Customer through the UPI Services shall be irrevocable in nature. Hike and the PSP shall be bound to act upon all instructions given by the Customer for transfer of funds using UPI Services upon confirmation of the Authentication Credentials. The PSP may, in its sole and absolute discretion and without requirement of any notice or reason whatsoever, revoke or cancel any instructions issued by the Customer and such decision of of the PSP shall be final and binding on the Customer.

d) All transactions shall be confirmed by a 1-click 2-factor authentication on personal phone of the Customer, without having any acquiring devices or having any physical tokens.

e) The Customer understands and agrees that the Transaction(s) shall be acted upon by the PSP through UPI Services, on the date of the instruction given by the Customer.

f) The Customer understands and acknowledges that a Transaction may be rejected or cancelled in case the instructions and/or any Authentication Credentials or any details, documents or information provided by the Customer are false or not in accordance with the conditions stipulated by the PSP, the NPCI, the Reserve Bank of India or the Beneficiary Bank. The Customer agrees that a Transaction may also be cancelled/rejected due to reasons such as "the designated account of Receiver/beneficiary not being maintained by the Beneficiary Bank” or “an attachment order having been passed by a competent authority/Court with respect to the designated Receiver/beneficiary account” or “details pertaining to the Receiver/beneficiary account details recorded with the Beneficiary Bank do not match” or any other such reasons.

g) The Customer ensures and confirms that upon completion of the transaction initiated by the Customer, i.e., receipt of funds by the Receiver, Hike and the PSP will be entitled to charge such fees, cost and charges, as specified by Hike and the PSP, from time to time, save and except, where such imposition of charge is restricted by law. Without prejudice to any other rights of recovery that the PSP may have, the PSP shall be entitled to debit any of the Customer's accounts held with the PSP for any such fees, charge or costs.

h) The Customer acknowledges and understands that the completion of transactions for transfer of funds based on the Customer's instruction shall involve various counterparties. The Customer confirms that Hike or the PSP shall not be held liable or responsible for any delays/deficiencies in settlement of a transaction due to system constraints, actions of 3rd parties or any other circumstances outside the control of Hike or the PSP. Without prejudice to the generality of the foregoing, the Customer agrees to indemnify and save, keep harmless and keep indemnified Hike and the PSP against any improper/ fraudulent instructions purporting to be received from the Customer and/or for furnishing incomplete information.

i) The Customer understands that the provision of UPI Services is subject to applicable laws and the guidelines, rules and regulations issued from time to time by the NCPI or Reserve Bank of India.

j) The Customer understands that the NCPI in this regard shall be an intermediary/ a service provider in the process of settlement of a Transaction initiated using UPI Services, subject to the availability of sufficient funds in the account of the Customer. Any transaction initiated by the Customer shall be deemed to be complete in all respects if a decline message is not received by the Customer from the PSP within a reasonable period time (decision of the PSP in this regard shall be final and binding). Transactions shall be deemed to be settled at the time when the account of the Customer has been debited and the account of the Receiver maintained with the Beneficiary Bank has been credited.

k) The Customer understands that the PSP may amend the above terms and conditions, at any time without any notice or assigning any reason whatsoever and such amended terms and conditions will thereupon apply to and be binding on the Customer.

l) The Customer agrees and confirms that the minimum and maximum amount that may be transmitted using UPI Services shall be stipulated by the PSP in accordance with applicable laws and the guidelines set by NPCI or RBI, from time to time.

Reward Programme Terms

Hike may from time to issue various offers through the Hike App. By successfully completing the steps for each Offer you can claim the Reward(s) applicable for that Offer.

The reward is an amount (determined by Hike) transferred to your Hike Wallet Issued by Yes Bank (“Rewards”) on successful completion the steps required for that Offer.

If you receive any of the following Offers, you can claim a Reward by completing the Steps prescribed given below:

Offer 1

In this Offer you can claim the Reward by sending a Blue Packet to a group chat thread.

Steps to avail the Offer 1:

a. Within 24 hours of receiving the Offer, send a minimum of Re.1 through a Blue Packet to a group chat thread of your choice; and

b. click on link send to claim the Reward, within 24 hours of sending the Blue Packet to a group chat thread.

On successfully completing the above steps, a Reward will be credited to your Hike Wallet Issued by Yes bank. Notes: If a Blue Packet is not successfully delivered to the group chat thread, you cannot claim the Reward. The link to claim the Reward will expire if you do not click on it within 24 hours of sending a Blue Packet to a group chat thread. The Reward amount may be determined by Hike and may vary between recipients.

Offer 2

You may receive a Blue Packet from Hike in your chat thread with Natasha (virtual assistant). If you share this Blue Packet in a group chat thread and follow the steps given below, you will become eligible to get a Reward of Rs. 10,000 in your Hike Wallet Issued by Yes Bank ("Super Bumper Reward").

Steps to avail the Offer 2:

a. Click on the Blue Packet within 24 hours of receiving it in your chat thread with Natasha*.

b. Click on the "Send Blue Packet" button and share it in any group chat thread. Before sharing the Blue Packet, you may choose (i) the amount to be send through the Blue Packet (ii) the members within the group who can claim the Blue Packet and (ii) the manner in which the amount is distributed amongst the group members (including yourself)**.

c. Continue sharing Blue Packets within group chat threads during the Offer Period***. If you send Blue Packets to the maximum number of users (during the Offer Period) you may receive the Super Bumper Reward. This is subject to (i) sharing any number of Blue Packet(s) to atleast 50 recipients in group chat threads; and (ii) more than 50 such recipients get a credit in their Hike Wallet issued by Yes Bank on account of receiving Blue Packet(s) from you.

Notes:

*By clicking on the Blue Packet sent by Hike in your chat thread with Natasha, you will receive an amount (determined by Hike) in your Hike Wallet issued by Yes Bank. However, in order to become eligible for the Super Bumper Reward, you must share this Blue Packet in group chat thread and follow the remaining steps.

**On successfully sharing the Blue Packet in a group chat thread you will also get an amount in your Hike Wallet issued by Yes Bank.

***The Offer Period is July 19 to July 31, 2017.

Only 1 user will receive the Super Bumper Reward. Hike’s decision on the recipient of the Super Bumper Reward will be final.

2. General Terms and Conditions applicable to Reward Programme

a) Hike may at it’s sole discretion and as per the eligibility criteria identified by it choose to send any of the Offer(s) to a select number of users. You have no claim against Hike if you do not receive any of the Offer(s).

b) To avail the Offer(s), you must have a valid and verifiable Hike Wallet Issued by Yes Bank.

c) The Reward will only be credited to your Hike Wallet Issued by Yes Bank.

d) An Offer can be availed only by the intended recipient and cannot be onward sent, distributed, transferred or sold. However, once you successfully claim the Reward, the amount transferred to your Hike Wallet Issued by Yes Bank, can be used/transferred/spent in any manner permitted under these terms and conditions and applicable law.

e) You can avail a single Offer only once. Hike may choose to send you multiple Offers, however each Offer can be availed only once.

f) You can avail an Offer only if you have the Hike Android App version 5.0 or above.

g) Hike reserves the right to discontinue or modify the terms and conditions of the Reward Programme without any prior notice.

h) You will not receive the Reward (even after successfully claiming it) if the transfer results in exceeding the maximum monetary limit of your Hike Wallet Issued by Yes Bank. In this case, the entire Reward Amount will be credited to your Hike Wallet Issued by Yes Bank in the succeeding month. All transfers to will be subject to extant RBI Guidelines.

i) Please follow the complaint redressal process mentioned above with regard any complaint under Reward Programme.

j) Hike reserves the right to suspend or revoke the eligibility of any user to claim a Reward, if it observes any suspicious or potentially fraudulent activity.

k) Unless otherwise mentioned here, all other terms and conditions applicable to the Hike Wallet Issued by Yes Bank will be applicable to the Reward Programme.

Privacy Policy

Hike Private Limited (hereinafter "hike" / "We") provides this Privacy Policy to inform users of the hike Messenger software application (the “Application”) about our policies and procedures regarding the collection, use and disclosure of Personally Identifiable Information defined below.

This Policy is part of our Terms of Service and applies to the Personally Identifiable Information that is collected in connection with the download, installation and use of the Application and related services. By using the Application or the Services You signify Your assent to this Privacy Policy and consent to the processing of Your Personally Identifiable Information as described herein. If You do not agree with this Policy, or with our Terms of Service, do not download, install and / or use the Application.

Information Collection
"Personally Identifiable Information" means any information that either on its own or when combined with certain other information can identify an individual and for the purpose of this Privacy Policy.

hike may obtain the following types of information from or concerning You or Your mobile device, which may include personal information that can be used to identify You as specified below:

User Provided Information: You provide certain Personally Identifiable Information, including but not limited to Your mobile phone number, name, gender and date of birth, IP Address and mobile device information to hike when choosing to participate in the use of the Application and the Services, such as registering as a user, messaging other hike users, posting status updates, uploading images or stories. In order to provide Services, hike, may periodically from time to time, access Your contact list and/or address book on Your mobile device to find collect, use and keep track Your contact list or address book in accordance with this Privacy Policy. Further, you permit information contained in Your contact list and/or address book to be shared with other users of the Service for the Social and Sharing Services. By permitting us to collect Personally Identifiable Information, you hereby agree to provide hike a right to use such information for providing Services and also warrant that you have all requisite rights in your favour to share this information with hike. To ensure a better user experience, hike may, access including but not limited to names stored in Your address book to ensure any incoming messages and push notifications via the SMS feature have a name associated with them. For instance, if hike cannot access names on Your address book, when a non-hike user responds to a SMS sent from hike, the incoming reply will show the non-hike users number and not the name.

"last seen" information is available and displayed to each user whom you have added in your Friends (and which you have not blocked), and reflects the last approximate time the hike application has been backgrounded or brought to the foreground on your mobile phone. "Last Seen" information is reported to hike when a user brings the mobile application to the foreground or quits it.

Hike may receive data whenever You connect with an application through hike (such as during status update, when You connect to other sites/applications and in which case hike posts to these sites/applications on Your behalf ). This may include date and time You use the application, the web address, IP address information, browser and if You are logged into hike and Your authentication tokens used on such sites. Your authentication tokens may be saved on the server for the sole purpose of seamless posting to the same site by You in the future through the Application.

Hike may use cookies and other technologies such as web beacons, web storage, unique advertising identifiers to collect information about your use of our Services and your device. We may use similar technologies to collect information when you interact with services offered by any third party through the Application. We might collect passively tracked activity data including but not limited to accelerometer samples, step counter and pedometer data.

Hike does not collect emails, addresses or other contact information from its users’ mobile address book other than mobile phone numbers and names associated with such mobile phone numbers of the persons in such user’s contact lists and/or address books. The Application will associate whatever name the hike user has assigned to the mobile telephone number in his/her mobile address book. We may collect location data for use in the improvement of Services and users may also voluntarily share their location with other users via the Application.

Service Usage and Transactional Information: For enabling you to make payments using our Services, we may, upon your consent, store your financial information such as your bank account or details mentioned on your credit cards or debit cards, or other payment instrument details etc. that are required for a successful transaction. Further, for certain Services, including our bill payment service, we require your bill payment account information such as your account number, payment history, your account history with us etc. We also store transaction details such as amount spent, merchant name, transaction ID, date and time of transaction, of your e-commerce transactions. Further, we may also store information relating to your income and lifestyle levels. We clarify that all sensitive personal information or data is stored with third parties that PCI DSS certified.

If the recipient can be messaged via the Application, the message is delivered to that recipient via data service routed through our servers. Any messages that are undelivered are held on the hike servers until they can be delivered or for a period of 30 days whichever is earlier. Messages and files that are sent through the Service temporarily reside on our servers for a short period of time until delivery of such messages or files to the intended recipient is complete. We may use third party servers having industry standard security measures to provide you the Services.

Any status update messages, stories and profile image updates posted by you is stored on our servers to facilitate the normal use of the status updates feature in hike. This includes but is not limited to the timestamp and the actual status update message.

Hike may retain date and time stamp information associated with successfully delivered messages, the mobile phone numbers involved in the messages and any other meta-data associated with your use of our Services as well as any other information which hike is legally compelled to collect in accordance with retention policies applicable under Indian law.

Use of Information We do not sell Your Personally Identifiable Information that we collect with any third parties for use for commercial, advertising and or similar marketing purposes without your consent.

We may share Your Personally Identifiable Information and Contents to:

If we provide you with more specific purposes of use either at the time we ask you to provide your personal information or through other means, then such notice will take precedence.

We collect and store your service usage and transactional information in order to enable you to view certain details of all your transactions which have been made using our Services, to provide you uninterrupted and satisfactory Services, to administer our relationship with you, to comply with any statutory or regulatory requirement, to monitor your use of our Services for the purposes of ensuring compliance with our user rules.

You agree that hike has the right to monitor the Application electronically from time to time and to disclose information as may be necessary to satisfy any law, regulation or other governmental request, to operate the Application properly for justified purposes that are relevant for the features and functionalities of the Application and Services opted by You, or to protect itself or its subscribers. We may transfer Your Personally Identifiable Information or other information collected, stored, processed by Hike to any other entity or organization located in India or outside India only in case it is necessary for providing services to You in connection with Application. Except with Your consent including under this Agreement for specified purposes, We will not disclose any Personally Identifiable Information to any third party expect for the purpose of providing you Services. We will cooperate with the appropriate law enforcement authorities in investigating claims of illegal activity.

You may chose not to submit Personally Identifiable Information through hike application in which case we may not be able to provide You part or full services in connection with the Application. If You do not agree with any of the Terms including our Privacy Policy, You may delete Your account or not access download and use the Application and/or the Services. Upon deletion of Your account, Your Personally Identifiable Information and any associated Contents, except to the extent required to be retained under applicable law, will be deleted from our servers.

In the interest of protecting Your privacy and for security measures, Hike ensures to take reasonable steps to identify and authorise You before registering Your mobile phone number and granting You use of the Hike application.

Upon use of the Application or the Services, you authorize us to contact you regarding any promotions / notifications pertaining to Hike Application, notwithstanding that your number may be registered in the respective Do not Call Registry in your jurisdiction.

Security of Personal Information

We have implemented commercially reasonable physical, managerial, operational and technical security measures to protect the loss, misuse and alteration and to preserve the security of the Personally Identifiable Information in our care. Our security practices and procedures limit access to personal information on need to know basis only.

Such measures may include, where appropriate, the use of firewalls, secure server facilities, implementing proper access rights management systems and processes, careful selection of processors, standard authentication and encryption policies for our servers and other technically and commercially reasonable measures.

However, Hike cannot guarantee in any way with respect to any Personally Identifiable Information or Contents that You upload transmit, share or display through the Application, the Services and You do so at Your own risk.

Using unsecured or other unprotected networks to send messages and use of other features through the hike application is not recommended.

If hike learns of a security breach, then we may attempt to notify You electronically so that You can take appropriate protective steps.

Changes to this Privacy Policy

Any changes in the Privacy Policy by hike shall be posted on our website www.hike.in to reflect changes in our policy so that the users are always aware of what information we collect, use, and under what circumstances, if any, we may disclose it. Users should periodically review this page for the latest information on our privacy practices. Once posted, those changes are effective immediately. Continued access or use of the Application and/or the Services constitutes Your acceptance of the changes and the amended Privacy Policy.