Local Law and UPI Records
This notice explains how we frame access, account creation, identity checks and records for you in India. We do not treat availability as the same in every state or union territory; your ability to create and use an account depends on local law and is available
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where local law permits. When you use UPI, Paytm, PhonePe or Google Pay, the transaction reference, account name match and wallet ledger entry may be retained for audit, dispute handling and legal duties. We may ask for documents when a withdrawal, login pattern or name mismatch
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needs verification. If a rule changes, we update the page wording and apply the change from the date shown in the terms area, not retroactively unless required by law.
Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.