Reference

How y72 Handles Your Legal Rights

Our legal framework covers how we collect and use your account data, the terms that govern your use of y72, and the steps you can take to exercise…

Privacy PolicyTerms of UseCookie NoticeData RetentionAccount Rights

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Our Legal Position and Jurisdiction

y72 Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

y72 operates under the terms set out in our user agreement, which governs all activity conducted through your account. Your use of this platform — including deposits made via UPI, Paytm or PhonePe — is subject to these terms and the laws applicable in your jurisdiction.

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Where local law restricts or limits access, those restrictions take precedence. We collect only the data necessary to operate your account, process transactions and comply with applicable legal obligations. Any personal data we hold is processed in accordance with our Privacy Policy, which explains retention periods,
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lawful bases and your rights to access or deletion. If a provision of our terms conflicts with applicable Indian law, that provision is read narrowly to the extent required to comply. For residents of India, dispute resolution follows the process described in our Terms of Use,
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which includes written notice and a cooling-off period before escalation.

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

REACH OUR TEAM

Contact Us About Legal and Policy Matters

If you have a question about our terms, need a copy of your personal data, or want to raise a legal concern, our support team is available around the clock.

Email — Legal Desk Send your written request or legal query to our dedicated legal inbox. We acknowledge all emails within 24 hours and aim to provide a substantive response within 72 hours of receipt.

Live Chat — Account Support For urgent account-related legal questions — such as a data access request or a dispute about a transaction processed via UPI or PhonePe — open a live chat session directly from your account dashboard.

Written Notice — Formal Disputes Formal legal notices should be submitted in writing to the address listed in our Terms of Use. Include your registered account email and a clear description of the issue so we can route your matter correctly.

HOW WE PROTECT YOU

Data Handling, Cookies and Account Security at y72

We want you to know exactly how your data is managed, where cookies are used, and what steps we take to keep your account secure.

Data Collection Scope

We collect your name, email, payment identifiers (such as your UPI ID or Paytm mobile number) and transaction records. We do not collect data beyond what is necessary to operate your account and fulfil our legal obligations.

Cookie Use

Our site uses session cookies to keep you logged in and analytics cookies to understand page performance. You can manage cookie preferences through your browser settings at any time without affecting your ability to log in.

Account Security Practices

Passwords are hashed and never stored in plain text. We require email verification for account creation and send an alert to your registered address whenever a new device accesses your account.

Data Retention Period

Account data is kept for the duration of your active account plus a statutory period required under applicable law. Once that period expires, data is deleted or anonymised in line with our retention schedule.

Who to Contact for Data Requests

Direct all data access, correction or deletion requests to our legal desk by email. Include your account email and the specific data you are requesting; we respond within 30 days in line with applicable legal standards.

Requesting Changes to Your Record

You may request corrections to any inaccurate personal data we hold. Submit the change request via live chat or email with supporting evidence; we update records promptly and confirm the change by email.

Frequently Asked Legal Questions

Below are the questions we hear most often about our legal terms, your data rights and how policy applies to your account. If your question is not covered here, reach our legal desk by email or live chat.

Your use of the platform is governed by our Terms of Use and the laws applicable in your jurisdiction. Access depends on local law and is available where local law permits. Indian residents are subject to Indian law for all disputes arising from account activity.

Email our legal desk with your registered account email and a description of the data you want. We acknowledge within 24 hours and provide the requested data within 30 days, in line with applicable legal standards.

Yes. Send a deletion request to our legal inbox. We will remove or anonymise your personal data after the statutory retention period required by applicable law has passed. We confirm completion by email once the deletion is processed.

We store only the identifiers necessary to process and reconcile your transactions — such as a masked UPI ID or Paytm mobile number. Full payment credentials are not stored on our servers; they are handled by the payment provider directly.

We use session cookies for login continuity and analytics cookies to measure page performance. You can disable non-essential cookies in your browser settings at any time; this does not affect your ability to log in or use your account.

Send written notice to the address listed in our Terms of Use, including your account email and a clear description of the matter. A 14-day cooling-off period applies before the dispute can be escalated to formal proceedings.

We retain data for a statutory period after account closure as required by applicable law. Once that period ends, your data is deleted or anonymised. You can request confirmation of deletion by emailing the legal desk.

How y72 Handles Your Legal Rights

Contact Us About Legal and Policy Matters

Data Handling, Cookies and Account Security at y72

Data Collection Scope

Cookie Use

Account Security Practices

Data Retention Period

Who to Contact for Data Requests

Requesting Changes to Your Record

Frequently Asked Legal Questions

01 What laws govern my use of y72?

02 How do I request a copy of my personal data?

03 Can I ask y72 to delete my account data?

04 How are my UPI and Paytm payment details handled?

05 What cookies does y72 use and can I opt out?

06 How do I raise a formal legal dispute?

07 How long does y72 keep my account data after I close my account?

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