How this policy applies in India
This Privacy Policy explains how we handle data connected with your account, wallet activity, identity checks, device signals and contact messages in India. Access and eligibility depend on local law and are available where local law permits; that same local-law frame can affect privacy rights, retention
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periods and the documents we may need before acting on a request. We collect only the data needed to run your account, process UPI, Paytm and PhonePe records, protect the wallet, handle disputes and meet lawful requests. Some service partners may process data for hosting, payments,
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fraud checks, analytics or customer care under written terms. We do not sell your personal data. If a privacy request cannot be completed, we tell you why and explain the next step.
Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.