How legality changes by Indian region
Our legal position is written for India, but Indian law can differ by state, union territory and local authority. That means your ability to open, keep or use an account depends on local law and is available where local law permits. We may ask for identity
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proof, payment ownership checks, device signals or account activity records when the law, our terms or a risk check requires it. If a rule changes, we can alter access, pause wallet movement, ask for more documents or close an account according to the terms you accepted.
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UPI, Paytm, PhonePe and Google Pay records may be used only as payment context, not as a promise that access is allowed in every location.
Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.