What this policy covers in India
When local law permits access, this policy applies from the moment you open an account and continues while you use it, send support messages, or make a payment. We may collect the details you type, device and browser signals, cookies, transaction references, and records from checks
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needed to keep accounts in order. That data helps us process UPI, Paytm, and PhonePe activity, stop misuse, answer requests, and meet legal duties. If a rule in your state or territory requires a tighter standard, we follow the tighter standard for that location. We keep
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records only as long as they serve a stated purpose, then remove, mask, or archive them under our retention rules. You can ask for correction, access, deletion, or a copy of records where local law allows it, and our reply will explain any limits that apply.
Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.