What Applies Under Local Law
What applies to you depends on local law, your location, and the specific action you take in the account flow. If a rule cannot be applied in your region, we do not ask you to follow it, and we keep the wording aligned with the law
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that applies. For UPI, Paytm and PhonePe, we may keep transaction records for fraud checks, dispute handling, and audit trails. You can ask us to correct personal details, explain a clause, or remove account data where the law allows. When we change this page, we keep
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the older text long enough to show what was in force at the time of your action. That helps you compare what changed without guessing which version applied to your request.
Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.