India Access Rules and Wallet Records
Our terms apply when you create an account, verify your identity, use the wallet, contact support or ask us to act on your legal rights. Access is not uniform across India; it depends on local law, and we make services available only where local law permits.
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We may ask for identity or payment records when we need to confirm that an account, UPI handle, Paytm wallet, PhonePe account or Google Pay transfer belongs to you. The policy also explains when we may refuse access, pause a transaction, retain a record or ask
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for more documents. These steps are used to meet legal duties, handle disputes, prevent misuse and keep a clear account trail. Your bank, wallet provider or telecom operator may apply its own checks, and those checks sit outside our direct control.
Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.