How access rules apply
This page explains how we treat legal requests, account access and stored records for Indian accounts. When access or eligibility is discussed, it depends on local law and is available where local law permits. If a request touches UPI, Paytm or PhonePe records, we treat it
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as part of your account file, which can be checked for fraud control, dispute handling and audit needs. We keep only the data needed for those purposes, then limit further use to what the law requires. If you ask for a correction or a copy of
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a record, we may first confirm that the request comes from the account holder or from an authorised contact. That keeps the process clear and reduces delays.
Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.