How this Privacy Policy applies
This Privacy Policy explains how we collect, use, store and share data connected with your account, wallet activity, identity checks, device access, cookies, support chats and privacy requests. We use your details to operate account access, process UPI, Paytm and PhonePe records, check withdrawal requests, protect
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account security and answer your messages. We may also keep records needed for legal, fraud-control, tax, dispute and service reasons, but we do not ask for more than we need for those purposes. Where access or eligibility is mentioned, it depends on local law and is
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available where local law permits. If India rules, court orders, payment partner rules or security needs require a different handling period, we apply that narrower requirement and keep an audit trail.
Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.