Upcoming Get a voucher worth Rs.100 Cashback on transacting via PayZapp

https://offers.smartbuy.hdfcbank.com/offer_deta...

• How to avail
• Transaction on PayZapp can be done through the following ways:
• In app payments (excluding Scan n Pay, Load Money, P2A, P2P) 
• PayZapp for payment on partner app/sites
• PayZapp Card (16digit card number) on any app/sites
• TnCs for PayZapp :

1. Offer is applicable from 10th Jul’20 to 31st Jul’20
2. Minimum transaction amount Rs.250 per transaction
3. Offer applicable over and above existing PayZapp offers (https://offers.smartbuy.hdfcbank.com/offer_details/11272)
4. Offer not applicable on Scan n Pay, Load Money, P2A and P2P transactions
5. Cashback would be posted within 90 days of the last day of the offer period
6. Offer is available both on PayZapp’s Android & iOS App
7. In case of any refund/ return, the offer will not be eligible
8. All valid spends transactions will be eligible for the offer. HDFC Bank will not be responsible for invalid transactions
9. Customer must be a KYC verified user throughout the offer period i.e. customer has to be KYC registered user during the time of transaction as well as during the time of CashBack details posting
10. Cashback will be credited only to Active PayZapp Prepaid card
11. For customers whose monthly/yearly PPI limit of wallet is breeched cashback will not be posted
12. Cashback will NOT be credited to Inactive PayZapp Prepaid card
13. Customers must login with their PayZapp registered mobile no to become eligible for the offer
14. Customers NOT logging with their PayZapp registered mobile no will NOT be eligible for the offer
15. Customers doing a “Guest Checkout” are not eligible for the offer
16. This offer is non-encash able, not extendable and non-negotiable
17. This offer is valid for Indian residents and citizens only
18. Nothing herein amounts to a commitment by HDFC Bank to conduct further, similar or other offers
19. Any participation is voluntary and the offer is being made purely on a “best effort” basis
20. For offer queries, please write to support@payz…in
21. HDFC Bank reserves the right, at any time, without prior notice and without assigning any reason whatsoever, to add / alter / modify / change or vary all of these terms and conditions or to replace, wholly or in part, this offer by another offer, whether similar to this offer or not, or to extend or withdraw it altogether.
22. All products or services return would be entertained only as per the company’s prevailing product return policy
23. PayZapp shall not be liable for any service & product related issue
24. HDFC Bank shall not be liable for any loss or damage whatsoever or for any personal injury that may be suffered, by a HDFC Bank Debit/Credit Card member, directly or indirectly, by use or non-use of products/services availed of under this offer
25. In the event of any inconsistency between these terms and conditions and any brochures, marketing or promotional materials relating to the promotion, these terms and conditions shall prevail.
26. All decisions by HDFC Bank regarding selection of winners shall be final and binding. No correspondence will be entertained in this connection.
27. Any Government levies / taxes like Sales Tax, TDS, gift tax, road tax, any Local Tax etc. arising out of the same will be borne by the customer.
28. HDFC Bank is not liable for any delay, non-delivery or shortfall or deficiency or unsatisfactory service/product provided by any participating parties/sponsors.
29. In case of dispute, PayZapp reserves the right to a final decision on the interpretation of these Terms & conditions
30. All disputes, if any, arising out of or in connection with or as a result of above offers or otherwise relating hereto shall be subject to the exclusive jurisdiction of the competent courts / tribunals in Chennai only, irrespective of whether courts / tribunals in other areas have concurrent or similar jurisdiction

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• Most Important Terms & Conditions

1. To avail the offer, the customer either needs to have a Valid PAN no updated in PayZapp or should be a HDFC Bank Customer. No cashback to be given if valid PAN is not updated.
2. A customer can have maximum of 1 PayZapp registered mobile number (2 PayZapp account) linked to one PAN
3. For all customers with more than 1 PayZapp registered mobile number (more than 1 PayZapp account) linked to one PAN, incremental accounts will be downgraded to no KYC and customer will not be eligible to avail any cashback for transactions done through the account(s)
4. Customer will be eligible for cashback only on successful PayZapp transaction basis offer terms & condition.
5. For all cancelled transactions, refund transactions, partial refund transaction Cashback if given to the customer shall be debited from the PayZapp Prepaid card. In case of insufficient balance PayZapp Prepaid Card will go in negative balance.
6. For all PayZapp accounts not complying to any of the above terms & conditions, Bank reserves the right to block / downgrade the account to no KYC status as deemed fit. Thus, the customer will not be able to utilize the balance available in PayZapp Prepaid card.
7. All disputes, if any, arising out of or in connection with or as a result of above offers or otherwise relating hereto shall be subject to the exclusive jurisdiction of the competent courts / tribunals in Mumbai only, irrespective of whether courts / tribunals in other areas have concurrent or similar jurisdiction.
8. Any query regarding the program will be entertained till 60 days from offer fulfilment date. Post such date; the Bank will not entertain any correspondence or communication regarding this Program from the cardholder.
9. Any TAT committed with respect to posting of CashBack for a promotional campaign is only indicative & may vary from the actual date of posting; the Bank shall not be liable for any such delay. However, the Bank shall review the customer’s query & if eligible, shall ensure fulfilment is completed at the earliest.
10. In case of delay in posting or non-posting of CashBack if applicable for a promotional campaign beyond the committed TAT, customer is requested to contact the Bank; the Bank shall review the same and have the CashBack posted if the customer is eligible as per offer T&C
11. Definitions:

• “Cashback Misuse shall mean all such events or series of events or circular events where a Customer tries to abuse or misuse or game the system to gain Cashback or any other rewards or benefits, without actually completing (including subsequent reversals) the Transactions or purchases or part of them, or by misusing loopholes or available offers to gain excessive Cashback without the real intentions of completing the Transactions. E.g. (i) transactions or series of transactions done for Cashback and reversal or cancellation of such Transactions e.g. where goods or services are returned once the Cashback is received (ii) circular transactions.
• “Cashback-Non-Eligible Accounts” shall mean the PayZapp PPIs, whether Full KYC PPI or Minimum KYC PPI, which as per the Bank’s discretion will be not eligible for Cashback Offers or for receiving the Cashback. Even if it’s not indicated on the Merchant platform, such Customers will not get the Cashback.

1. If a transaction has been made through PayZapp, then these terms and conditions shall be applicable even if the same were not specifically highlighted or a link to the same was not displayed on the merchant webpage/app. To the extent of any conflict between the terms and conditions displayed on the merchant website/app and this document, the terms of this document shall prevail.
2. PayZapp Customers who have not completed either the Minimum KYC Process or the Partial KYC process or the Full KYC Process shall not be eligible to receive any Cashback.
3. The maximum Cashback a Customer is entitled to on an aggregate basis from all the purchases or transactions or events, per month, is Rs. 3000/- (or such other amount at the discretion of Bank as may prescribe in this regard from time to time, subject to change given prior one-month notice in advance). This limit shall be calculated basis the PAN and in case there are more than one PayZapp PPIs linked to one PAN, then the single limit shall be applicable for all such PPIs taken together and each such PPI will not have a separate limit. 
4. The maximum Cashback limit a Customer is entitled to per Cashback Offer as per the Offer Specific Terms, shall be calculated basis the PAN and in case there are more than one PayZapp PPIs linked to one PAN, then the single limit shall be applicable for all such PPIs taken together and each such PPI will not have a separate limit.
5. A Customer shall be allowed Cashback for maximum of such number of Transactions per day as shall be prescribed in this regard by the Bank from time to time. This limit however shall be calculated per Mobile Device and in case of Transactions taking place from the same Mobile Device, whether for one or more Customers, the single limit shall be applicable for all such Customers taken together and each such Customer shall not have a separate limit.
6. A Customer shall be allowed Cashback for maximum of such number of Transactions per day per Merchant as shall be prescribed in this regard by the Bank from time to time. This limit however shall be calculated per Mobile Device and in case of Transactions taking place from the same Mobile Device, whether for one or more Customers, the single limit shall be applicable for all such Customers taken together and each such Customer shall not have a separate limit. For the purposes of determining the Merchant, the Bank may go by the Merchant name, MCC, TID, MID or Merchant PAN, or any or all of them. 
7. A Customer shall be allowed Cashback for maximum of such number of Transactions per month, shall be prescribed in this regard by the Bank from time to time. This limit however shall be calculated per Mobile Device and in case of Transactions taking place from the same Mobile Device, whether for one or more Customers, the single limit shall be applicable for all such Customers taken together and each such Customer shall not have a separate limit.
8. A Customer shall be allowed Cashback for maximum of such number of Transactions per month per Merchant as shall be prescribed in this regard by the Bank from time to time. This limit however shall be calculated per Mobile Device and in case of Transactions taking place from the same Mobile Device, whether for one or more Customers, the single limit shall be applicable for all such Customers taken together and each such Customer shall not have a separate limit. For the purposes of determining the Merchant, the Bank may go by the Merchant name, MCC, TID, MID or Merchant PAN, or any or all of them.
9. Cashback credited to the Customer can only be utilised by the Customer for purchase of goods or services and that too within the Validity Period. Further for each purchase, the PPI issuer may set up for use of Cashback, a maximum and/or minimum limit, in its discretion, and such limit shall be binding upon the Customer. Cashback cannot be transferred to any bank account or to other PayZapp PPI accounts or to a card or a PPI account of any other Issuer.
10. Any Cashback if not utilised within 12 months from the date it had been credited in the PayZapp PPI account of the Customer (or such other time period at the discretion of Bank as may prescribe in this regard from time to time, subject to change given prior one-month notice in advance) shall lapse and expire automatically and the Customer shall be solely and entirely responsible for monitoring this expiry period (“Validity Period”), and the Bank shall not be required to issue any advice or notice or notification before or after such lapse or expiry, to the Customer, whether through the PayZapp Application or by way of sms or email or any other method. The Cashback which lapses or expires as above, shall not be reinstated and the Customer shall not be able to use the same in any manner whatsoever. The Customer shall be fully liable for the same.
11. Bank may in its absolute and sole discretion, cancel the Cashback or reverse the Cashback already credited to the PayZapp account of the Customer, if the Bank believes that the underlying transaction(s) was done for Cashback Misuse or in an unauthorized or fraudulent manner or at any prohibited locations or in breach of the Terms and Conditions Document.
12. If it is discovered that a Customer has more than one PayZapp PPIs or that there are more than one PayZapp PPIs linked to the same PAN, then all the PayZapp PPIs of the Customer shall be classified as Cashback-Non-Eligible Accounts and the Cashback already credited, if any, by then, shall be reversed by the Bank in its sole discretion.
13. On one Mobile Device, the maximum PayZapp PPIs that are allowed to be registered are 3 (three). The fourth PayZapp PPI (in chronology) registered on any such Mobile Device, shall become a Cashback-Non-Eligible Account at the discretion of PayZapp.  
14. The Customer agrees and acknowledges that Bank may in its absolute sole discretion permanently disable the PayZapp account of the Customer without any notice to the Customer if Bank believes that the Customer has caused Cashback Misuse or entered into fraudulent transactions including but not limited to transactions that do not involve any actual sale or transfer of goods or services from merchant/vendor to the Customer. If the Customer’s PayZapp PPI account is disabled under this Clause, the Customer will not be permitted to register or use PayZapp services by using the same mobile number or PAN or same Mobile Device.
15. In case the Customer has already received Cashback, and if there is any refund from or on behalf of the Merchant on account of the underlying transaction having been declined, cancelled or terminated or partly or fully reversed or wrong goods dispatched or goods or services returned, or for any other reason, then the amount equivalent to Cashback shall be first payable to the Bank and the Bank shall be entitled to undertake any of the following steps at its discretion, without any notice to or permission from the Customer:
16. adjust and appropriate for itself (Bank) from the amount of refund, an amount equivalent to the Cashback amount already credited, and to credit to the PayZapp PPI account only the balance amount after such adjustment; 
17. debit the Cashback balance in the PayZapp PPI; and
18. debit the PayZapp PPI balance and appropriate (as and when the same becomes available).
19. In case the Bank decides to reverse any Cashback on account of a Cashback Misuse, then the amount equivalent to Cashback shall be first payable to the Bank and the Bank shall be entitled to undertake any of the following steps at its discretion, without any notice to or permission from the Customer:
20. debit the Cashback balance in the PayZapp PPI, if available;
21. if the Cashback balance is not available or insufficient, then debit the PayZapp PPI balance and appropriate (as and when the same becomes available); and
22. adjust and appropriate for itself (Bank) from the amount of refund, an amount equivalent to the Cashback amount already credited, and to credit to the PayZapp PPI account only the balance amount after such adjustment
23. Bank reserves the right to suspend, cancel or withdraw the Cashback Offer at any time in its absolute sole discretion without any notice to the Customer.
24. When for any PayZapp PPI, the Non-KYC Consequences or the Closure Consequences, become applicable, such PPIs shall also simultaneously automatically become the Cashback-Non-Eligible Accounts without any further act deed or writing.