Policy scope, local law and records
This legal page explains how our account contract, privacy terms, cookie use, payment records and support handling work together. It is written for you as an India account holder, but it is not personal legal advice. Access depends on local law and is available where local
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law permits; if your state law, banking partner rules or our internal checks restrict access, we may pause account features or request more documents. Your account record may include mobile number, KYC files, login history, wallet entries, UPI references, Paytm references, PhonePe references and support cases.
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We use those records to apply the account terms, meet payment duties, answer lawful requests, handle disputes and keep your legal requests traceable.
Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.