Local law, access, and data handling
Access depends on local law and is available only where local law permits. If your state, device location, or payment trail falls under a restriction, that rule controls what you can open, use, or ask us to change. We may also pause an account or a
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payment request until we confirm identity, payment ownership, or a dispute detail. That check can use documents, device signals, and transaction records tied to UPI, Paytm, or PhonePe. We keep those records for the period needed to meet legal duties, security checks, tax handling, fraud checks,
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and dispute work. If we update these terms, the current page becomes the version we rely on, and the date on the page shows when it changed last.
Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.