How the policy applies in India
Our legal position is simple: access depends on local law, and we only allow account use where local law permits. When that applies, the terms on this page set out what we collect, why we collect it, how long we keep it, and when we may
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pause activity to confirm identity, a payment mismatch, or a change to account details. We may also log cookies and device signals to keep sessions secure, prevent duplicate access, and remember your language and region settings. UPI, Paytm, PhonePe, and Google Pay can appear in the
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wallet area as local payment chips, but payment choice never changes the legal rules on access, data use, or account review. If local law changes, we adjust access and the terms that govern it.
Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.