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How punamatka Handles Your Personal Data

This Privacy Policy explains exactly what personal data punamatka collects from you, why we collect it, how long we keep it, and the rights you hold over it.

Data collected only as neededYour right to access and deleteEncrypted account storageUPI and Paytm data never sharedContact us anytime to update records

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Explore What Data We Collect and Why

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

When you open an account on punamatka, we collect your name, email address, mobile number and, where relevant, payment identifiers such as a UPI Virtual Payment Address or Paytm-linked number. This data is used strictly to operate your account, process transactions and communicate account-level updates. We

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do not sell your data to third parties. Access to our platform depends on local law and is available where local law permits. Our data practices are governed by applicable Indian data-protection principles, and we update this policy whenever those requirements change. PhonePe and Google Pay
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transaction references are stored only as long as needed to resolve any disputes.

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

REACH OUR PRIVACY TEAM

Open a Privacy Request With Us

Team online

Email Privacy Desk

Send your data-access, correction or deletion request to our dedicated privacy email. We aim to acknowledge all requests within 48 hours and resolve them within 30 days of receipt.

Live Chat Support

Our live chat team is available around the clock. Start a chat session from any page on punamatka.net and ask to be connected to the privacy-compliance team for urgent data concerns.

Postal Contact

For formal written requests or if you need a signed acknowledgement, post your letter to our registered address. Include your account email and a clear description of the data action you are requesting.

DATA HANDLING PRACTICES

Browse How We Protect and Manage Your Data

Every measure listed here is active on your account from the moment you join. We do not treat data security as an afterthought — encryption, access controls and retention schedules are built…

Encryption at Rest and in Transit

All personal data — including your UPI address and account credentials — is encrypted using AES-256 at rest and TLS 1.3 in transit. No payment detail is ever transmitted in plain text between your device and our servers.

Cookie Usage and Control

We use session cookies to keep you logged in and analytics cookies to understand how pages are used. You can manage non-essential cookies through the preference centre linked in our cookie banner on first visit.

Account-Level Access Controls

Only authorised punamatka staff with a documented business need can access your account data. Access is logged, audited quarterly and revoked immediately when a team member changes role or leaves.

Data Retention Schedule

Account data is kept for the duration of your account plus a legally mandated retention window. Once that window closes, your data is deleted from live systems and purged from backups on the next scheduled cycle.

Third-Party Data Sharing

We share data only with payment processors (such as UPI rails and Paytm gateway) and identity-verification partners strictly necessary to operate your account. Each partner is contractually bound to our data-protection standards.

Requesting Changes to Your Data

You may request a copy of your data, ask us to correct inaccuracies or request deletion by contacting our privacy desk. We will confirm receipt within 48 hours and complete the action within 30 days.

Switch to Answers — Your Privacy Questions

The questions below cover the data rights and policy details we hear about most often. If your question is not here, reach our privacy desk via live chat or email and we will respond within 48 hours.

We collect your name, email address, mobile number and, where you deposit via UPI or Paytm, the associated payment identifier. We collect only what is needed to verify your account and process transactions securely.

We share data only with payment processors — UPI rails, Paytm gateway, PhonePe — and identity-verification partners. No data is sold or passed to advertisers. Every third party signs a data-processing agreement before receiving any information.

Email our privacy desk with your account email address and the subject line 'Data Access Request'. We will compile and send your data within 30 days, and confirm receipt within 48 hours of your message arriving.

Yes. Send a deletion request to our privacy desk. We will remove your data from live systems and queue it for purge from backups. Note that some data may be retained where local law or dispute-resolution obligations require it.

We retain data for the legally required window after account closure. Once that period ends, your records are deleted from our live database and flagged for removal from backup archives on the next scheduled purge cycle.

We use essential session cookies and optional analytics cookies. Essential cookies cannot be disabled because they keep your session active. You can turn off analytics cookies via the preference centre in our cookie banner on first visit.

Yes. Payment identifiers such as your UPI Virtual Payment Address or Paytm-linked number are encrypted with AES-256 at rest. They are never stored in plain text and are accessible only to authorised payment-operations staff under logged conditions.

How punamatka Handles Your Personal Data

Open a Privacy Request With Us

Email Privacy Desk

Live Chat Support

Postal Contact

Browse How We Protect and Manage Your Data

Encryption at Rest and in Transit

Cookie Usage and Control

Account-Level Access Controls

Data Retention Schedule

Third-Party Data Sharing

Requesting Changes to Your Data

Switch to Answers — Your Privacy Questions

01 What personal data does punamatka collect when I open an account?

02 Does punamatka share my data with third parties?

03 How can I request a copy of the data you hold on me?

04 Can I ask punamatka to delete my personal data?

05 How long does punamatka keep my account data after I close my account?

06 What cookies does punamatka use and how do I control them?

07 Is my UPI or Paytm payment data stored securely?

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