How the terms apply here
When you open an account, you accept the version of these Terms & Conditions that is live on the page at that time. If we change a clause, the updated text applies from the published date unless local law says otherwise. You are responsible for the
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information you submit, the device you use, and every action taken through your login. If we detect a breach, we may pause access, ask for extra checks, or close the account where allowed. Access is available only where local law permits, and some features may differ
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by region, identity checks, or other lawful requirements. In the India flow, UPI, Paytm, PhonePe, and Google Pay may appear as chips in the wallet row, but these terms still decide how your account is used, maintained, and checked.
Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.