How the terms work in India
These terms govern how you create and use an account, what you can do in the lobby, how payment requests are handled, and what happens if a rule is broken. They also explain how we may verify identity, pause access, or refuse an action when the
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details on file do not match the request. Where local law differs, the stricter local rule applies, and access is available only where local law permits. If we update a clause, the version shown on this page replaces earlier wording from that date. When a term
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refers to a payment method, the India wallet may show UPI, Paytm and PhonePe as context chips, but availability can still vary by bank, device and verification status.
Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.