How law shapes account access
Our legal position is written for you before you create or use an account. The terms explain that access can differ by state, union territory, device location and applicable local law, so we may restrict or decline access where the law does not permit the service.
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We also set out how account identity checks, payment records and dispute handling work when UPI, Paytm or PhonePe receipts are linked to your wallet activity. If a rule changes, we may update the legal text and apply it from the date shown on the page.
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You should read the latest version before using the lobby, because your continued use means you accept the current terms. Nothing on this page creates legal permission where your local law does not allow access.
Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.