Where These Terms Apply
These terms explain when the service can be used, what we store and how we respond to legal requests. Access depends on local law and is available where local law permits, so a region block always overrides any attempt to enter the lobby. When you add
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UPI, Paytm or PhonePe details, we only use them to process the action you started and to match the record on your account. We keep this page in plain English because the point is clarity: you should know which details are needed, which requests need verification
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and when a record may be retained. If a clause changes, we update the text here and keep the earlier version for audit purposes so you can compare the history later.
Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.