How local law shapes access here
Our legal position is straightforward: access and account use depend on the law that applies where you are. If your location permits it, you can open an account from India and use the service with UPI, Paytm or PhonePe; if it does not, we do not
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offer access. We may ask for details that help us confirm identity, verify account ownership and handle a request in the right order. Some requests also need a short hold while we check the record trail or the local rule that applies. We keep the page,
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the account flow and the request process under regular care so the wording stays aligned with current duties. If a rule changes, we update the position here and apply it from the point it becomes active. Nothing on this page overrides local law, and any access
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remains available only where local law permits.
Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.