How these terms apply in India
These terms explain how your account may be opened, used, paused, or closed, and they apply only where local law permits. By continuing on kolkatafat, you agree that we may set account rules, ask for verification, pause access during checks, and update these terms when our
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process, payment flow, or legal duty changes. If a rule in your region differs from what appears here, the local rule comes first. We may ask for identity, device, or wallet checks before certain actions, and we may keep records needed for security, dispute handling, or
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the law. Any payment action made through UPI, Paytm, PhonePe, or Google Pay is also subject to the timing and checks of the channel itself. If you do not accept these terms, do not continue using the account.
Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.