Local Law and Data Use
For India use, this Privacy Policy covers your account data, cookies, and the records we create when you move money through UPI, Paytm, PhonePe, or Google Pay. In India, some handling can change with local law, payment checks, dispute windows, and the request you make, so
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the exact process may differ where local law permits. We keep only the fields needed to open your account, confirm your identity when required, match a transfer, and answer a request from you. When a record is no longer needed for those purposes, or for a
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legal duty we must meet, we aim to remove it or store it in a restricted form. That approach keeps the policy narrow and easy to follow, while still giving you a route to ask for changes.
Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.