How local law shapes access
These legal terms explain how we treat your account, wallet records and privacy requests when you use dl34 from India. Access is not the same in every place; it depends on local law and is available where local law permits. You are responsible for checking whether
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your location allows you to open and use an account before you proceed. We may ask for identity checks, address details or payment proof where required for verification, fraud control, tax, dispute handling or lawful requests. Records linked to UPI, Paytm and PhonePe are handled as
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account evidence, not as public content. If any part of these terms conflicts with mandatory local rules, the mandatory rule will apply to that part while the rest continues to operate where valid.
Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.