Reference

Our Legal Framework and Your Rights

kalyanmatka operates under a defined legal structure that governs how your account, data and transactions are handled on this platform.

Jurisdiction-Aware PolicyData Retention StandardsAccount Rights ProtectedUPI & Paytm Transaction TermsContact Escalation Paths

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What These Legal Terms Actually Cover

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

These terms apply to every interaction you have on kalyanmatka — from creating an account to making deposits via UPI, Paytm or PhonePe. Our policy is written to reflect Indian legal context, and where conflicts arise between local statutes and platform rules, local law takes precedence.

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We do not extend eligibility to any region where access is not permitted under applicable law. Your use of this platform constitutes acknowledgment that you have read, understood and accepted the terms as stated. We reserve the right to update these terms; material changes will be
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communicated through the account notification channel, not solely through silent page updates. If you transact via Google Pay or PhonePe, the same terms apply without exception.

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

LEGAL CONTACT CHANNELS

Reach Our Legal and Compliance Team

If you have questions about these terms, want to exercise a data right, or need to flag a legal concern, we have dedicated paths for each.

Legal Queries by Email Send your written legal questions or data-access requests to our compliance address. We acknowledge receipt within one business day and resolve most queries within five working days from submission.

Account-Level Disputes Raise a formal dispute through your account dashboard under the 'My Requests' section. Each dispute is logged with a reference number so you can track progress without making repeated contact.

Live Chat for Urgent Matters For time-sensitive legal concerns — such as an account hold or a transaction under review — our live chat team is available to triage and escalate to the compliance desk the same day.

HOW WE HANDLE YOUR DATA

Data Handling, Cookies and Account Security at kalyanmatka

We follow a structured approach to data governance — what we collect, how long we keep it, and who can see it.

Data We Collect

We collect name, contact details, payment identifiers (UPI handle, Paytm number) and session data. We do not sell or share this data with third parties outside what our payment processors require to complete a transaction.

Cookie Policy

Our site uses functional cookies to keep your session active and analytics cookies to understand page performance. You can manage cookie preferences from your browser settings at any time without losing your account access.

Account Security Practices

Passwords are stored as salted hashes — never in plain text. Two-factor authentication is available for your account and we recommend enabling it, especially if you use PhonePe or Paytm linked wallets.

Data Retention Period

We retain account and transaction records for the period required by applicable Indian financial regulations. After this period, personal identifiers are anonymised unless an active legal or dispute hold applies to your account.

Who to Contact for Data Requests

Direct all data-access, correction or deletion requests to our compliance team by email. Include your registered mobile number and the nature of the request so the correct data set is identified without unnecessary back-and-forth.

How to Request Changes to Your Data

Submit a written request specifying which record you want corrected or removed. We verify your identity first, then process eligible requests within the timeframe set by applicable data-protection norms in India.

Frequently Asked Legal Questions

These are the legal questions we receive most often from people using the platform in India. The answers below reflect our current policy and are updated whenever terms change materially.

Access depends on local law in your specific state or territory. We make the platform available where local law permits and do not extend access to regions where doing so would breach applicable rules.

We store your registration details, UPI or Paytm payment identifiers, session logs and transaction history. This data is held on encrypted servers and accessed only by verified roles for defined operational purposes.

Yes. Send a written request to our compliance email with your registered number and the specific data you need. We verify your identity before releasing any records, usually within five working days.

Submit a deletion request through email to our compliance team. We process eligible requests after identity verification and after confirming no active financial or legal hold applies to your account at that time.

Material changes are communicated via your account notification channel before they take effect. Continuing to use the platform after that date constitutes acceptance. You may close your account if you do not accept revised terms.

Yes, all payment methods — including PhonePe, Paytm, UPI and Google Pay — fall under the same legal terms. The payment processor involved may also apply their own terms, which operate alongside ours, not in place of them.

Use the 'My Requests' section in your account dashboard to log a formal dispute. Each submission receives a reference number, and our compliance team reviews and responds within the timeframes stated in our dispute policy.

Our Legal Framework and Your Rights

Reach Our Legal and Compliance Team

Data Handling, Cookies and Account Security at kalyanmatka

Data We Collect

Cookie Policy

Account Security Practices

Data Retention Period

Who to Contact for Data Requests

How to Request Changes to Your Data

Frequently Asked Legal Questions

01 Is this platform available to everyone in India?

02 What data does kalyanmatka store about my account?

03 Can I request a copy of my personal data?

04 How do I ask kalyanmatka to delete my account data?

05 What happens if the legal terms change after I have joined?

06 Are my PhonePe and Paytm transactions covered by these terms?

07 How do I raise a formal dispute about a transaction or account decision?

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