Local law and your data use
We collect only the details needed to run the privacy and security side of your account: contact fields, login records, device data, cookie signals, payment references and support messages. When you use UPI, Paytm or PhonePe, we may keep transaction references for reconciliation, dispute handling and
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anti-fraud checks, but not more than we need for those purposes. We use that data to verify requests, keep sessions secure, detect unusual activity, and meet record-keeping duties that apply in India or any other place where local law permits access. If a rule limits what
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we can share, we will say so and explain the next step in plain language. We review retention periods regularly and remove or mask records once they are no longer needed for the stated purpose.
Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.