Google Ads Terms of Service

This document governs the use of Google Pay for non-US users (last modified April 5, 2021) and establishes additional terms layered on top of the Google Terms of Service and Google Privacy Policy, with the Google Pay Terms prevailing in any conflict. The agreement states that users permit Google to disclose to apps and websites that they have set up Google Pay, and to share device, payment, location, and account information with payment method issuers and networks; where necessary to process transactions, the terms also authorize sharing personal information with merchants, payment processors, and other third parties. The agreement further states that Google is not a party to payment transactions and does not process Google Pay transactions, limiting Google's stated liability for payment disputes, refunds, chargebacks, or issuer authorization decisions, while simultaneously reserving broad information-sharing permissions with third parties including merchants and issuers. The document engages privacy frameworks including GDPR for EU/EEA users and equivalent data protection regimes across non-US jurisdictions, and the broad consent language in Section 5 regarding collection and sharing of location, payment, and personal data warrants evaluation under applicable national data protection laws, where the enforceability of blanket consent provisions may be constrained. The age restriction provisions (Section 3(a)) requiring parental consent for users aged 16 to 17 and a minimum age of 18 for the Google Pay app also engage child and minor protection frameworks in multiple jurisdictions.