India Law and Wallet Records
Our legal position is simple: your account is governed by the terms shown here, plus any rule displayed inside the account area before you confirm an action. We do not ask you to rely on rumours, chat screenshots or third-party summaries. If a rule changes, we
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place the current wording on this page and apply it from the stated update time, unless local law requires a different route. Access, eligibility and product availability depend on local law and are available where local law permits. Payment records are kept for account matching, fraud
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checks, tax or audit duties, dispute handling and lawful requests. UPI, Paytm and PhonePe references may be matched with your account name, transaction time, amount and bank reference where needed to settle a query. If any part conflicts with a mandatory rule in your location, that
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mandatory rule takes priority for that issue.
Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.