Local Law and Account Use
These terms apply when you open an account, move money through UPI, Paytm, or PhonePe, or ask us to restore access after a lock. If local law permits use in your region, we may still set extra checks for identity, payment ownership, device matching, or disputed
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activity. We can change these terms when the law, our security checks, or our operating needs change, and the current page controls from the time it is posted. If a transfer is reversed, marked uncertain, or tied to a name mismatch, the related balance can stay
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on hold until the check is done. By keeping the account active, you accept the current rules and any lawful update tied to access or settlement. If you stop using the account, earlier actions stay tied to the version that was active then.
Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.