Legal scope for India access
This legal page sets out the rules that apply when you create an account, use wallet records, read our privacy terms or contact us about a policy matter. We write these terms for India in plain English, while access always depends on local law and is
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available where local law permits. Your use of UPI, Paytm, PhonePe or Google Pay may create bank, app and account records that we need for identity checks, transaction matching, fraud checks, tax queries, dispute handling and legal requests. If a local rule, court order, payment partner
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requirement or regulator direction applies, we may adjust access, retain records for a required period or ask you for extra documents before changing account details.
Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.