How the terms apply in India
The terms explain how you and we form the account contract, how eligibility is assessed, and how wallet records are handled when you use UPI, Paytm or PhonePe. Access is not the same across every Indian state, so availability depends on local law and is open
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only where local law permits. If a rule is unclear, the wording on this page controls the account relationship, not a chat message or a banner. We may pause access while verification, location checks, payment matching or dispute checks are completed. You agree to keep contact
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details accurate, protect your login, and avoid sharing the account with another person. If you disagree with a term, do not open or continue using the account until support clarifies the point in writing.
Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.