India law and UPI records
These terms explain the legal basis for your account, your wallet activity and the way we keep records linked to deposits, withdrawals and account checks. When you use UPI, Paytm or PhonePe, we may receive transaction references, timestamps, sender details and status messages from the payment
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flow so we can match money to your account and resolve disputes. Access and eligibility depend on local law and are available where local law permits. You are responsible for checking whether opening and using an account is allowed in your location. We may restrict, pause
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or close access where required by law, risk checks, payment disputes or a breach of the terms. If any term conflicts with a mandatory local rule that applies to you, that rule takes priority for that issue.
Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.