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Flipkart Pay Later – Terms and Conditions

Important Terms and Conditions

With ‘Flipkart Pay Later’ You can shop any number of times throughout the month without paying at the time of purchase, and pay the bill at once by the 10th of the subsequent month Flipkart Pay Later is available on products from select sellers only You can settle your dues, using a Debit Card or Net banking Failure to pay by the due date will invite a late payment fee not exceeding: Rs 100 for outstanding of upto Rs 2000, Rs 200 for outstanding of Rs 2001 – Rs 4000, and Rs 400 for outstanding of Rs 4001 and above By accepting the T&C, You authorize the respective financing partner to get your credit information from a credit rating agency.

Other Terms and Conditions

Flipkart Pay Later (“FPL” or “FPL Services”) is a proposition enabled by Flipkart Advanz Private Limited (“FAPL”) on certain platforms (“Platforms”), including the www.flipka...om its related mobile site and mobile application. Under FPL, a credit line is extended by certain financing partner(s), to select whitelisted customers of the respective Platform (“You”) by providing the option to pay for their orders at a date later than a purchase date on the Platforms subject to these terms and conditions. Accordingly, You have been chosen to exercise this payment option. You understand that the access to and use of the FPL Services are conditional upon Your acceptance of and continuous compliance with these terms & conditions set herein at all times, as well as the Terms of Use, Privacy Policy, and other relevant documentation including any modifications, alterations or updates thereof, that are published on the Platforms. Subsequent only to Your express consent which You will be asked for explicitly during the application process, You understand that FAPL shall have the right to access the following: (i) SMS; (ii) contacts list; (iii) call history; (iv) location; and (v) device information to determine your eligibility and enhance your credit limit, if applicable. If You provide your consent, such information will be accessed by FAPL for checking your eligibility and at periodic intervals thereafter. In the event that You do not provide FAPL with such consent to access such information, FAPL will not be able to access your data and consequently will not be able to check your eligibility or be able to enhance your credit limit. You further understand that FAPL will share details of Your eligibility to the FPL Program, with the respective Platforms, to enable You to transact on such Platforms. Your contact information shall be shared with the financing partner and third party agencies who shall be responsible for the collection of dues payable under FPL. FAPL shall, further obtain information in relation to your transactions on Platforms on which You have availed the FPL payment option (including but not limited to item details, amount, date, category of order) to check your eligibility and assess your credit limit under this program. By consenting to these terms and conditions, You hereby agree to sharing such transactional information with FAPL. You acknowledge that FAPL and its financing partners have the right to revise the credit line or revoke the credit line extended to You at any time at its sole discretion. You understand that FPL is available only on select products sold on the Platforms. You understand that FAPL reserves the right to choose the financing partner who shall be able to extend the FPL option to You. You understand that by purchasing a product through FPL, the financing partner will be paying the seller of the product/service on Your behalf and extending a deferred payment option to You at no extra cost. You will be liable to pay the financing partner (and no other entity) the amount due under FPL as per the payment schedule and the terms mentioned below via the Platforms. Any interest applicable on the credit line utilised may be borne by FAPL. You understand and acknowledge that upon opting for Flipkart Pay Later to place orders, You will receive a monthly statement to Your registered email address (provided by You on the Platforms), detailing the orders placed under FPL during the corresponding month, on the 1st day of every subsequent English calendar month. You further understand and undertake that You shall pay the outstanding amount reflecting in the said statement, due to the financing partner, on or before 10th of the subsequent month by using online payment modes only (debit card, netbanking, etc.) on thePlatform. FAPL may, however, include/exclude the payment instruments for repayment of the outstanding amount. You understand and acknowledge that cash payment in part or full shall not be accepted as a payment mode under FPL. Upon opting for Flipkart Pay Later to place orders, You agree that You will not be able to pay for such orders using cash at any later point. You understand and acknowledge that FAPL reserves the right to suspend Your eligibility to FPL at any point of time. You understand and acknowledge that if You fail to pay the outstanding amount by the due date, the financing partner shall have the right to levy a penalty on You. The penalty will depend on the outstanding due as on 10th of the month, and shall not exceed: Rs 100 for outstanding of upto Rs 2000, Rs 200 for outstanding of Rs 2001 – Rs 4000, and Rs 400 for outstanding of Rs 4001 and above. Any delay in payment may lead to cancellation/suspension/restriction of any further order(s) or activity or purchases or return requests on the Platform(s), till such time that the outstanding amount is cleared by You. By opting to avail Flipkart Pay Later, You undertake to make the payment in the timelines set forth above. Late fees/penalties are inclusive of applicable taxes. You understand that in the event of any fraudulent or suspicious transactions under the FPL program, FAPL reserves the right to suspend/cancel the purchase and take all actions it deems fit under law. Further, in the event that Flipkart finds You to be delinquent, as You have not repaid the financing partner for Your past FPL transactions, FAPL may request the partner platforms on which You have transacted using the FPL program, for Your personal information and transaction history. By accepting these T and C’s, You hereby provide Your consent for allowing the partner platforms to share such information with Flipkart who shall then share such information to the applicable financing partner. You understand and acknowledge that the financing partner/FAPL/Platform(on behalf of the financing partner) will have the right to send You reminders electronically and/or to Your registered phone number prior to the due date of payment and reach You on Your registered phone number during reasonable hours if You fail to pay the outstanding amount by due date. You further acknowledge and confirm that You are aware of the nature of telecommunications/ internet services and that an email transmission may not be received properly. You agree to assume and bear all the risks involved in respect of such errors and misunderstanding and that the financing partner/FAPL/Platform(s) (as the case may be) shall not be responsible in any manner. You understand and acknowledge that the financing partner, by offering the Flipkart Pay Later option to You, is entrusting upon You the possession of the products ordered by You, till such time that the payment will be completed by You on or before the due date. You agree to provide the personal information such as name, address, contact number etc. (“Personal Information”) to FAPL upon registration and at the time of availing the FPL Services. You understand and acknowledge that the Platform(s)/FAPL shall pass on such information to respective financing partner for providing the services mentioned in these terms and conditions. Further, Platforms (on which You have availed the FPL Payment Option) may share Your Personal Information with FAPL, and by accepting these terms and conditions, You hereby consent to the sharing of Your Personal Information with FAPL. By paying through Flipkart Pay Later payment option, you agree to these terms and conditions extended by the financing partner. Please read these terms and conditions carefully before availing this payment option. You understand that the financing partner/FAPL reserves the right to vary, alter or modify the terms of the Flipkart Pay Later scheme, at its sole discretion. Using Flipkart Pay Later at this time does not entitle automatic right of participation in similar schemes in the future and respective financing partner shall have the sole right to extend or restrict such participation. You understand that by accepting these terms and conditions, You are entering into a legally binding contract with the respective financing partner and FAPL. You further understand that by choosing to avail the FPL Services, You have availed a deferred payment product from respective financing partner and shall be liable to respective financing partner for any default in the dues of the customer. You agree that for providing this service, the respective financing partner may require certain Know Your Customer (KYC) documents, which You shall provide upon being so requested by the respective financing partner. You understand that you can, at your sole option, complete this KYC process either through (1) a digital OTP-based KYC check or (2) a physical KYC check. (1) For the digital OTP-based KYC check, you hereby provide your consent to the financing partner for obtaining and authenticating, on the Platform, your “Know Your Customer” (KYC) information with the relevant authorities (e.g NSDL, UIDAI, etc.), including Aadhar authentication through One-Time Password (OTP) for fulfilling KYC requirements. You also consent to the sharing of Your PAN number and credit information with the financing partner, and its partner credit rating agency/ies as per the applicable laws. For authentication through OTP-based KYC, You declare that no other account has been opened nor will be opened using OTP based KYC either with the financing partner or any other entity regulated by the RBI. (2) You understand that providing Your Aadhaar number to the financing partner and carrying out digital OTP-based KYC is not mandatory to avail of FPL Services. You have the option to apply for the FPL services without sharing Your Aadhaar number by fulfilling KYC norms through a physical KYC check by submitting alternate KYC documents to the financing partner as per applicable RBI guidelines and the financing partner’s KYC policy. To do the same You must reach out to the financing partner at [1860 500 9900] or send an email to [email protected], and the financing partner will send me further instructions to complete the KYC process. You may also reach out to customer care at 1800-208-9898 . You understand that for the purposes of availing FPL services, Your credit information/history may need to be obtained from a credit rating agency by the partner financial institutions extending FPL. You hereby consent to FAPL/its financing partner(s) obtaining Your credit information from the credit rating agency. You declare that details shared above are true and correct to the best of Your knowledge. In the event there is any change in the KYC details, You will promptly inform FAPL or its financing partners and update the information in Your account details. You understand that information relating to Your account may be shared as required under applicable laws. You understand that FAPL/financing partner reserves the right (i) of approving/withholding Your participation in this scheme at its sole discretion and (ii) to vary, alter, modify or withdraw this scheme (including modifying or withdrawing the credit limit extended to You), at its sole discretion at any time and for any reason it may deem fit. Using FPL Services at this time does not entitle automatic right of participation in similar schemes in the future and FAPL along with its financing partners shall have the sole right to extend or restrict such participation. You understand that participation in this program is completely voluntary and You are in no way bound to participate in this program or avail of these services. The respective Platform is merely a platform on which the payment option extended by the financing partner is displayed. You shall not hold FAPL or the respective Platform liable for any deficiency in service by respective financing partner in extending such deferred payment option to You nor shall FAPL or the respective Platform be liable for any default in payment by You to respective financing partner. For any queries in relation to FPL, please contact customer care at 1800-208-9898 We will use, store or process Your information provided as part of Flipkart Pay Later in accordance with the privacy policy set forth in the Privacy Policy. Any matter concerning Flipkart Pay Later or the interpretation of these terms and conditions shall be subject to the exclusive jurisdiction of courts at Bangalore, Karnataka.