How local law shapes access
These terms apply to sk21 in India where local law permits access. If a rule differs by state, court order or any other local requirement, we follow the rule that applies at the time you use the account. We collect only the details needed to create
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your profile, verify transactions, protect login access and answer a legal request. Payment records, when they appear, are matched to the wallet rail you used, such as UPI, Paytm, PhonePe or Google Pay, so our team can trace a deposit or withdrawal without asking you to
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resend the same reference. We may keep records for dispute handling, audit trail and retention duties, then archive or remove them when the required period ends. If the terms change, we update this page and keep the current version available for you to read before you
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continue.
Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.