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Our Terms, Your Rights, Clearly Stated

kalyanmataka operates under a clear legal framework that tells you exactly what we collect, how we use it, and what rights you hold over your account and personal…

Jurisdiction-Aware TermsIndian Law ComplianceData Rights ProtectedTransparent Policy LanguageUPI / Paytm / PhonePe Covered

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What Our Legal Terms Actually Cover

kalyanmataka Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

Our legal terms govern every interaction you have with kalyanmataka — from the moment you open an account through to withdrawal requests processed via UPI, Paytm or PhonePe. The terms specify how deposits are attributed to your account, how disputes are raised, and which governing law

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applies in the event of a disagreement. Access to our platform and its features is available only where local law in your region permits, and it is your responsibility to confirm that before proceeding. We do not extend services to jurisdictions where such activity is restricted.
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Any transaction you initiate — whether a deposit through PhonePe or a withdrawal via UPI — is subject to the conditions set out in the full agreement linked at the bottom of this page. We update these terms when regulatory or operational changes require it, and
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we notify you at login when a material revision takes effect.

Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

LEGAL CONTACT PATHS

How to Reach Us on Legal Matters

If you have a question about your rights under our terms, a data request, or a policy concern, our legal and compliance team is reachable through…

HOW WE HANDLE YOUR DATA

Six Ways We Protect Your Account and Data

Our data and security practices are built around your account, not around us. From the cookies we set to how long we retain your KYC documents, every decision has a documented reason.

Cookie Policy

We set session and analytics cookies to keep your login stable and measure which pages you visit. You can adjust cookie preferences in your browser at any time without losing access to the core platform.

Data Collection Scope

We collect the data needed to verify your identity, process UPI or Paytm transactions, and meet anti-money-laundering obligations. We do not sell your personal data to third-party marketers.

Account Security Measures

Two-factor authentication is available on every account. Login events from new devices trigger an email alert, and repeated failed attempts lock the account temporarily until you verify via registered email.

Data Retention Schedule

KYC documents are retained for the period required by applicable Indian financial regulations, after which they are securely deleted. Transaction logs are kept for seven years in line with standard audit requirements.

Your Right to Request Changes

You may request a correction, export, or deletion of your personal data by writing to our legal team. We process such requests within thirty days and confirm in writing when the action is complete.

Who to Contact for Escalations

If you believe we have handled your data incorrectly, you may escalate to our Data Protection Officer by email. We treat all escalations as formal complaints and respond with a resolution plan within ten business days.

Frequently Asked Legal Questions

These questions cover the situations we hear about most from people in India — from accessing their data to understanding which law governs their account. If your question is not here, use the contact paths in the section above.

Your account is subject to the governing law specified in Section 10 of our full terms. Access to the platform depends on local law in your region and is available only where Indian law or the law of your specific state permits such activity.

Send a written data-access request to our legal email address. Include your registered account email and a brief description of what you want. We process requests within thirty days and deliver your data in a readable format.

Yes. You may request deletion of personal data that is not required for legal or regulatory retention. Data tied to transaction records or KYC compliance is retained for the legally mandated period before deletion can proceed.

Transaction records — including UPI reference numbers and Paytm payment IDs — are retained for seven years in line with financial audit requirements. This data is not shared with third parties except where required by law or a court order.

Raise a dispute via live chat or email within 30 days of the transaction date. Our payments team cross-references the PhonePe transaction ID against your account ledger and provides a written resolution within five business days.

When we make a material change to our terms, a notification appears at your next login before you proceed. We also maintain a changelog at the bottom of the terms page so you can see exactly what was revised and when.

Write to our Data Protection Officer at the legal email address listed in the contact section. We acknowledge your complaint within 24 hours and provide a formal resolution plan within ten business days of receiving full details.

Our Terms, Your Rights, Clearly Stated

How to Reach Us on Legal Matters

Six Ways We Protect Your Account and Data

Cookie Policy

Data Collection Scope

Account Security Measures

Data Retention Schedule

Your Right to Request Changes

Who to Contact for Escalations

Frequently Asked Legal Questions

01 Which law governs my account with kalyanmataka?

02 How do I request a copy of the personal data you hold about me?

03 Can I ask you to delete my account data?

04 Are my UPI and Paytm transaction details stored, and for how long?

05 What happens if I dispute a transaction processed through PhonePe?

06 How will I know if the legal terms change?

07 Who do I contact if I believe my legal rights have been breached?

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