Reference

Your legal footing before joining

l4360 sets out the legal terms that control your account, wallet records, cookies, support requests and contact rights before you open an account in India.

Legal termsData rightsCookie choicesWallet recordsIndia access
l4360 Your legal footing before joining
CONTACT PATHS

Policy help when you need it

Legal questions need a clear route, not a maze. We separate account help from policy requests so your message reaches the right queue and carries the evidence needed for a useful reply.

Account legal queries Use this route when you want clarity on account terms, eligibility, access rules or ownership checks. We may ask for your account email and a recent login detail before discussing private records.
Wallet record requests Choose this path for questions about UPI, Paytm, PhonePe or Google Pay entries linked to your wallet. Send only the reference ID and date needed to identify the record.
Data and cookie requests Send privacy, cookie and correction requests through the policy contact channel. Tell us what you want changed, exported or removed, and we will explain any legal retention reason that applies.
DATA CARE

How we handle legal requests

Our legal process is built around clear records and limited access. We keep account data, wallet evidence, device signals and support messages in separate systems with role-based access.

Data handling

We collect account details, wallet references, device signals and support messages only for account operation, security checks, dispute handling and legal duties. Sensitive records are limited to staff roles that need them.

Cookie control

Cookies help us keep sessions active, remember language choices and detect unusual account behaviour. You can adjust browser settings, though some account and security functions may not work correctly without required cookies.

Account security

Login checks, OTP prompts and device changes can create security records. If an unusual login appears, we may pause access while we confirm ownership through your account email or payment reference.

Retention window

We keep account, wallet and device records for periods needed by law, dispute handling, fraud checks and service operation. When a record is no longer needed, we remove or anonymise it where allowed.

Change requests

You can ask us to correct account details, update contact data or erase records where the law allows. We may keep limited evidence when needed for compliance, disputes or security checks.

Contact record

Each legal request receives an internal case record with date, channel, account link and outcome. This helps us answer follow-up questions without asking you to repeat the same documents.

Clear answers on your rights

These answers cover the legal choices you can raise with us before or after opening an account. They explain access, data, cookies, wallet evidence, correction requests and contact routes in plain terms. If your question depends on your location, we will treat access and eligibility as subject to local law and available only where local law permits.

Account access depends on the laws that apply where you are located. We make access available only where local law permits, and we may ask for checks that confirm eligibility and account ownership.

We may keep your account details, login records, device signals, wallet references, support messages and policy request history. These records help us run the account, handle disputes and respond to lawful requests.

Payment references can help confirm whether a transaction belongs to your account. We use UPI, Paytm, PhonePe or Google Pay details only when needed for wallet checks, disputes or lawful requests.

Yes, you can ask us to correct contact details or account data that is inaccurate. We may request proof of ownership before making changes, especially when the request affects wallet records.

You can request erasure, and we will assess it under the law that applies. Some records may need to be kept for disputes, fraud checks, accounting, security or legal duties.

Send your request through the policy contact channel with your account email, the issue you want addressed and any relevant payment reference. Avoid sending extra documents until we ask for them.

If local rules affect access, we may restrict account functions, request extra checks or update our terms. Access and eligibility remain dependent on local law and available where local law permits.