How local rules apply
This notice applies to India-focused use of yj-12 and is read together with local law wherever that law permits access. If a state rule, court direction or statutory duty changes how a term works, the local rule takes priority. We may ask you to confirm identity
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before we update account details, release stored records or process a correction request. Records linked to UPI, Paytm, PhonePe or Google Pay may be kept for reconciliation, fraud checks, dispute handling and tax or audit duties where law requires it. By using the site, you accept
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that cookie markers, login logs and wallet references can stay on record for a period that fits those legal needs.
Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.