How These Terms Work in India
These Terms & Conditions govern your account, your wallet activity, and every request you make through UPI, Paytm, or PhonePe. If a state rule, local restriction, or court order limits a feature, that part does not apply to you, and we follow the law that controls
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the transaction. When you open an account, keep using it after an update, or submit a payment, you accept the version then in force. We may ask for identity checks, payment-source checks, or extra documents before releasing access to a balance or completing a withdrawal. We
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may also pause, refuse, or reverse activity if the account details do not match, a payment reference looks wrong, or we need to settle a dispute. Cookies, device logs, and support records help us confirm the account history and keep the terms working as written.
Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.