Reference

Explore the Rules That Govern Your Account

These terms and conditions set out the agreement between you and punamatka when you open an account and use any part of our platform.

Binding on Account OpeningIndia Region ApplicableUPI & Paytm CoverageAccount Holder RightsSubject to Local Law

Browse lobby Read FAQ

Browse the Full Scope of These Terms

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

By creating an account on punamatka you confirm that you have read, understood, and agreed to be bound by these terms. We reserve the right to amend any clause at any time; continued use of the platform after a revision constitutes acceptance of the updated terms.

1
Our terms govern every transaction you initiate through UPI, Paytm, or PhonePe, as well as every session you start in the lobby. If any provision is found unenforceable under applicable Indian law, the remaining provisions continue in full force. Questions about specific clauses should be directed
2
to our support team before proceeding with your account.

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

TERMS CONTACT

Switch to a Support Channel for Clarification

Team online

Live Chat

Our live chat team is available around the clock to walk you through any clause you find unclear, confirm your account status, or flag a terms dispute that needs escalation.

Email Support

Send a detailed message to our support address if your query concerns a specific term, a transaction record, or a formal request to review how your account data is being handled.

Help Centre

Our help centre carries the current version of these terms alongside answers to the questions our account holders raise most often about their rights and obligations.

HOW WE HANDLE THIS

Open Answers on Data, Cookies, and Account Security

punamatka handles your account data with a consistent set of internal controls. Here is what that looks like in practice across the areas that matter most to you.

Data We Hold

We retain your registration details, transaction history, and session logs for as long as your account remains active and for a defined period after closure, in line with applicable Indian financial record-keeping requirements.

Cookie Policy

Our platform uses session cookies to keep you logged in and analytics cookies to understand how pages are used. You can manage cookie preferences through your browser settings at any time without affecting your account access.

Account Security

Passwords are stored in hashed form and never visible to our staff. We recommend a unique password and suggest enabling any two-step verification option displayed in your account security panel.

Data Retention

Account data is kept for the period required by applicable law. Once that period lapses and your account is closed, personal details not subject to mandatory retention are deleted from our active systems on a rolling schedule.

Who to Contact

For any request related to your personal data — access, correction, or deletion — write to our data queries address listed in the help centre. We aim to respond within seven working days of receiving a complete request.

Requesting Changes

You may request a correction to any inaccurate personal detail held on your account at any time. Submit the request via email with your account ID and the specific field you need updated; our team will confirm the change in writing.

Answers to What Our Account Holders Ask Most

If these terms raise questions you cannot resolve through the text alone, the answers below cover the points our account holders most frequently bring to our support team.

These terms take effect the moment you complete account registration and submit your details. Continuing to log in after any published amendment counts as your acceptance of the revised version.

We will post any material change on the terms page and may send a notification to your registered email. It is your responsibility to check the current version before each session if you have received an update notice.

Data required by applicable Indian law is retained for the mandatory period after closure. All other personal data not subject to legal retention is scheduled for deletion from our active databases once that window ends.

Email our data queries address from your registered email address, include your account ID, and specify which data you want to access. We aim to respond with the requested details within seven working days.

Yes. Every deposit and withdrawal processed through UPI, Paytm, or PhonePe is governed by these terms alongside the individual payment provider's own conditions. Both sets of conditions apply to your transaction.

Where any clause is found to be unenforceable under the law that applies in your region, that clause alone is set aside. All remaining terms continue in full force and your account agreement stays intact.

Contact our support team by live chat or email with your account ID and a clear description of the clause in question. We will escalate formally unresolved disputes to our senior review process within 14 working days.

Explore the Rules That Govern Your Account

Switch to a Support Channel for Clarification

Live Chat

Email Support

Help Centre

Open Answers on Data, Cookies, and Account Security

Data We Hold

Cookie Policy

Account Security

Data Retention

Who to Contact

Requesting Changes

Answers to What Our Account Holders Ask Most

01 When do these terms come into effect for my account?

02 Can punamatka change these terms without telling me?

03 What happens to my account data if I close my account?

04 How do I request access to the data punamatka holds on me?

05 Are UPI and Paytm transactions covered by these terms?

06 What if a term conflicts with a law in my state in India?

07 How do I dispute a decision made under these terms?

Related Pages