What Our Legal Terms Actually Cover
Our legal terms govern how your account is created, maintained and closed, how your personal data is collected and stored, and what rules apply to any transaction you make using UPI, Paytm or PhonePe. Access to our platform depends on local law in your state or
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territory — it is available only where local law permits. By proceeding, you confirm that you have read the applicable terms and that your use falls within permitted activity in your jurisdiction. We reserve the right to update these terms with notice posted on this page;
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continued use of your account after a posted update constitutes acceptance. Disputes are handled under Indian law unless a specific addendum states otherwise. If any clause is unenforceable in your region, remaining clauses stay in full effect.
Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.