Policy stance with UPI context
These terms explain how we treat account access, wallet records, privacy requests and disputes for India. Your right to use the service depends on local law and is available where local law permits; if your area does not allow access, you should not create or use
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an account. We may ask for KYC documents, device details or payment receipts when the law, our terms or a security check requires it. UPI, Paytm and PhonePe records help us match a wallet movement to the correct account, but they do not replace identity checks.
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If a term changes, we place the updated wording on this page and may show an in-account alert where the change affects your rights, your data or your wallet.
Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.