Phone pe is a fraud and crap app.BEWARE it asks permission to storage, SMS, contacts etc. in the name of policy but there is no such policy! How does paytym work without these permissions then? Phone pe refuses to delete your details once you saved!They claim its RBI mandate? Where is it mentioned while signing up?Its an excuse to sell your personal info, including bank details to Telemarketers!Phone pe is not secured nor reliable!OFfers are scam! They give different excuses every time for not paying cash back!Customer support is useless and unhelpful!Phone Pe seeks permission to read SMS, beware this includes all your transactions, not limited to Phone Pe! Phone Pe offers are fake and they dont give cash back mentioned. Phone Pe is listed as unsafe apps as it takes control over Messages and Storage for no valid reason! Note all your text messages will be accessed by Phone Pe, including your bank related! PhonePe will use this info and sell to companies to make money! Don’t be surprised by new offers after you install PhonePE a.k.a FraudPe!