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Explore the Rules That Govern Your Account

Your relationship with punamatka is shaped by a clear set of terms — covering how your account operates, how your data is handled, and what rights you hold…

Account TermsPrivacy PolicyCookie PolicyJurisdiction-Dependent AccessData Retention Rights

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Browse the Terms Governing Account Use

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

punamatka operates under a framework where every account, transaction and data record is subject to the terms outlined here. Access to certain features depends on local law in your region — where local law permits, you may open an account, fund your wallet via UPI, Paytm

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or PhonePe, and participate in available titles. Any use of the platform constitutes acceptance of these terms in their current form. We update these policies when regulations or operational practices change, and we notify you through your registered contact details. If a provision conflicts with applicable
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law in your state or union territory, the legally compliant interpretation applies. Your continued use of the platform after an update means you have reviewed and accepted the revised terms.

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

POLICY CONTACT PATHS

Reach Us with Any Legal or Policy Question

For questions about your rights under our terms, data requests, or concerns about account handling, our policy support team is available through the channels below. We aim to respond to all formal legal and data queries within five working days.

Team online

Email Support

Send your legal query or data request to our policy team by email. We treat all formal requests with a documented case number so your query can be tracked from submission to resolution without ambiguity.

Live Chat

Start a live chat session from your account dashboard to raise a policy question in real time. Our agents can escalate data-related requests directly to the compliance team during the same session if needed.

Formal Written Notice

For account closure, data deletion or legal dispute notices, submit a formal request through your account settings under the Policy section. We acknowledge every formal notice within two working days.

HOW WE HANDLE POLICY

Open Your Account Knowing How We Protect It

From the moment you register, your data and account are governed by the practices below.

Data Collection Scope

We collect only the data needed to operate your account — name, contact details, payment identifiers for UPI, Paytm or PhonePe, and session activity logs. No surplus data is requested at registration or during normal account use.

Cookie Handling

Cookies on punamatka are used to maintain your session, remember display preferences and analyse aggregate traffic patterns. You can manage or withdraw cookie consent through the preference centre in your account settings at any time.

Account Security Practices

We use encrypted connections for all account pages, two-step verification on login from new devices, and automated alerts when your account is accessed from an unrecognised IP address or location in India.

Data Retention Schedule

Active account data is retained for as long as your account remains open. After closure, we keep transaction records for the period required by applicable Indian financial regulations, then delete or anonymise all personal data.

Your Right to Request Changes

You may request a copy of your personal data, ask for corrections, or request deletion by contacting our policy team. We process verified requests within the timeframe mandated by applicable data protection law.

Who to Contact for Disputes

Any formal dispute about how your data is handled or how these terms are applied should be directed to our compliance contact via the email address listed in your account's Policy section. Escalation paths are documented in your account portal.

Switch to the Answers You Need on Legal Matters

These questions cover the most common points about your rights, data handling and how our terms work in practice. If your question is not addressed here, reach us directly through the contact paths in the section above.

These terms apply to anyone who opens or uses a punamatka account where local law permits. Access is jurisdiction-dependent — if local law in your state or region restricts participation, those restrictions take precedence over anything stated here.

Submit a data access request via the Policy section in your account settings or email our compliance team directly. We verify your identity first, then deliver a full data export within the statutory timeframe under applicable law.

Yes. Close your account through settings and submit a deletion request. We remove personal data after the mandatory retention period required by Indian financial regulations, then confirm deletion to your registered email or phone number.

We use session cookies to keep you logged in, preference cookies to remember your display settings, and analytics cookies to understand aggregate traffic. You can withdraw consent for non-essential cookies from the preference centre in your account at any time.

We share data only with payment processors such as UPI, Paytm and PhonePe to complete transactions, and with regulatory authorities when required by law. We do not sell your personal data to advertisers or unrelated third parties.

We notify you of material changes through your registered contact details before the update takes effect. Continuing to use your account after notification is treated as acceptance. You may request account closure before changes take effect if you do not agree.

Send a written notice to the compliance contact listed in your account's Policy section. We acknowledge all formal disputes within two working days and aim to resolve them within the period specified by applicable Indian consumer and data protection law.

Explore the Rules That Govern Your Account

Reach Us with Any Legal or Policy Question

Email Support

Live Chat

Formal Written Notice

Open Your Account Knowing How We Protect It

Data Collection Scope

Cookie Handling

Account Security Practices

Data Retention Schedule

Your Right to Request Changes

Who to Contact for Disputes

Switch to the Answers You Need on Legal Matters

01 Who do these terms apply to?

02 How can I access a copy of my personal data?

03 Can I request deletion of my account and data?

04 How do you use cookies on the platform?

05 Does punamatka share my data with third parties?

06 What happens to my data if these terms are updated?

07 How do I raise a formal dispute about these terms?

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