How our clauses apply locally
These Terms & Conditions explain how we accept an account, verify identity, apply wallet rules and manage access from India. They also set your duties when you use UPI, Paytm or PhonePe, including keeping receipts, using your own payment profile and entering correct details. If a
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clause mentions availability, it depends on local law and is available where local law permits. We may pause access when details cannot be matched, when a transaction needs review or when the account activity conflicts with these terms. We write these clauses so you know what
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we expect before you join, what records we keep, and how to ask us to correct account data.
Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.