How These Terms Apply in India
These terms apply when you create an account, move funds through UPI, Paytm or PhonePe, or use any part of the service linked to your login. We may update the text when our process, security checks or legal duties change, and the version on this page
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is the one that controls from the time it is posted. If a clause conflicts with local law in India, the law applies to the extent required. We may pause access, hold a transaction for verification, or close an account that stays inactive, breaks these terms,
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or cannot be matched to the required records. By continuing to use the service after a change, you accept the current terms.
Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.