Reference

Terms, Privacy and Your Account on n73

Our legal framework governs how we collect your data, how your account operates, and what rights you hold when you engage with n73 — available where local law…

Account TermsPrivacy PolicyData RetentionCookie PolicyJurisdiction: India

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What Our Terms Actually Cover

n73 Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

Our Terms of Service set out the conditions under which you may hold an account with us, including eligibility requirements that depend entirely on your local law and where permitted access applies in India. The Privacy Policy describes what personal data we collect at registration and

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during account use — including name, contact details and transaction records tied to payment methods such as UPI, Paytm and PhonePe. We retain transaction data for the period required by applicable regulations and delete personal records upon verified account closure requests. Cookie data is stored locally
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on your device and can be cleared through your browser settings at any time. If you make a deposit via Paytm or PhonePe, the transaction reference is logged in your account history for reconciliation purposes. We do not sell your data to third parties.

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

REACH OUR TEAM

How to Contact Us About Legal Matters

For policy questions, data access requests or account-related legal concerns, our support team is reachable through three direct channels.

Email Support Send your data access request, account closure notice or terms query to our legal support address. We confirm receipt within 24 hours and provide a formal response within seven working days.

Live Chat Our live chat agents can raise a legal or privacy ticket on your behalf during operating hours. They will escalate your concern to the appropriate internal team and share a reference number with you.

Help Centre Our Help Centre hosts the full text of our current Terms, Privacy Policy and Cookie Policy. You can download these documents directly from your account dashboard once you are logged in.

HOW WE HANDLE IT

Data Handling, Security and Account Integrity

We store account data on encrypted servers and limit internal access to personnel who need it for platform operations.

Encrypted Data Storage

All personal and financial data — including UPI and Paytm transaction records — is stored using AES-256 encryption at rest. Only authorised internal systems can query this data, and access logs are maintained.

Cookie Handling

We use session cookies for login persistence and analytics cookies to understand how account pages are used. You can opt out of non-essential cookies via the preference panel linked in the site footer.

Account Security

Two-step verification is available for your account and we recommend enabling it. Suspicious login attempts from unrecognised devices trigger an automatic email alert to your registered address.

Data Retention Schedule

We keep identity verification documents for the period required under applicable law and delete them promptly once that period expires or once you submit a verified deletion request through our support channel.

Right to Access

You may request a full export of the personal data we hold on your account at any time. Submit the request via email or live chat; we deliver the export in a readable format within seven working days.

Policy Change Notices

When we update our Terms or Privacy Policy, we notify you by email at least fourteen days before the change takes effect. You may close your account without penalty during this notice period.

Answers to Common Policy and Rights Questions

The questions below address what we do with your data, how you exercise your rights, and what happens to your account under various legal scenarios. If your question is not answered here, our legal support team can be reached directly by email or live chat during operating hours.

Your account is subject to the laws of the jurisdiction where you access the platform. Eligibility and account availability depend on local law in India; where local law does not permit access, the account Terms do not apply.

We collect your name, contact details, date of birth and the payment method identifiers you link to your account — such as your UPI ID or Paytm number. This data is used solely to operate and secure your account.

Submit a data access request via email or live chat. Confirm your identity using the registered email address on your account, and we will deliver a full data export within seven working days at no charge.

Yes. Once your account is closed and any outstanding balance is settled, you may request deletion of your personal data. We will remove records not subject to a legal retention requirement within thirty days of the verified request.

Payment transaction references — including those from PhonePe, UPI and Paytm — are stored in your encrypted account ledger. We retain these for the period required by applicable financial regulations and do not share them with advertisers.

We send an email notice at least fourteen days before material changes take effect. During this period you may close your account without penalty. Continued use of the account after the effective date signals acceptance of the revised terms.

Raise the concern directly with our legal support team by email; include your account ID and a description of the issue. We treat data-mishandling reports as priority tickets and respond with a formal acknowledgement within 24 hours.

Terms, Privacy and Your Account on n73

How to Contact Us About Legal Matters

Data Handling, Security and Account Integrity

Encrypted Data Storage

Cookie Handling

Account Security

Data Retention Schedule

Right to Access

Policy Change Notices

Answers to Common Policy and Rights Questions

01 Which law governs my account with n73?

02 What personal data does n73 collect when I register?

03 How can I request a copy of the data held on my account?

04 Can I ask n73 to delete my personal data?

05 How are my PhonePe and UPI transaction records stored?

06 What happens to my account if the terms change?

07 Who do I contact if I believe my data has been mishandled?

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