Local law, data use and access
We apply the same legal approach across India, but access, limits and record handling can change by jurisdiction. That means a payment chip such as UPI, Paytm or PhonePe may appear only where local law permits it, and some actions may need extra checks before they
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are accepted. We keep account data, transaction logs and device markers only for the reasons set out in our records: identity checks, fraud checks, dispute handling, service messages and tax or audit duties where required. When a request reaches us from the email on file or
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from inside your account, we verify it first so the right person sees the right record. If a change affects your legal rights, we apply it only after the relevant verification steps are complete.
Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.