Reference

Our Legal Terms, Your Account Rights

warlimatka operates under a defined legal framework that sets out what you can expect from us and what we ask of you when you hold an account.

Account TermsPrivacy & Data PolicyJurisdiction-Dependent AccessUPI / Paytm / PhonePe ScopeContact & Dispute Paths

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What Our Legal Terms Actually Cover

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

Our legal terms govern every interaction between you and warlimatka — from the moment you open an account to the point you request a withdrawal via UPI, Paytm or PhonePe. The terms set out eligibility conditions, which are determined entirely by the law applicable in your

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state or territory in India. We do not extend access in regions where local regulations prohibit it. Data collected during account registration and during payment processing is held under our privacy policy, which specifies retention periods and your right to request deletion or amendment. Cookies used
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on warlimatka.com are limited to session management, fraud prevention and analytics; you can manage cookie preferences through the settings panel. Any dispute arising from your account is first escalated to our internal resolution team before external channels are considered.

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

REACH OUR TEAM

How to Contact Us on Legal Matters

If you have questions about your rights under our legal terms, need to request a data amendment, or want to raise a formal complaint, our support…

HOW WE HANDLE THIS

Data, Security and Account Practices

Every measure below is part of how warlimatka manages your account data and upholds its legal obligations. These practices apply consistently across all account types and payment methods available in India.

Data Collection Scope

We collect only the data necessary to operate your account — name, contact details and payment identifiers such as your UPI handle or Paytm-linked number. Nothing beyond operational necessity is stored or shared with third parties outside our payment processors.

Cookie Management

Cookies on warlimatka.com cover session continuity, fraud detection and aggregate analytics. You can view and withdraw cookie consent at any time through the settings panel — doing so will not lock you out of your account or payment flows.

Account Security

Account access uses two-factor verification at login and on withdrawal requests. Payment method changes — for instance, switching your PhonePe number — require identity re-confirmation to prevent unauthorised fund redirection.

Data Retention Period

Account data is retained for the period required by applicable Indian financial regulations and then securely deleted. You may request early deletion of non-mandatory data fields by contacting our policy team through email or the contact form.

Who to Contact for Changes

Data amendment, correction or deletion requests must go to our designated policy contact — details are on the contact page of warlimatka.com. We do not process these requests through social media or general live chat to protect your identity.

Dispute Resolution Steps

Raise any account or payment dispute first through our internal team. If the outcome is unsatisfactory, you may refer the matter to an independent external body. We will provide the relevant contact details in writing upon request.

Frequently Asked Questions on Our Policy

These questions cover the scenarios we hear about most — account eligibility by region, data rights, cookies, security steps and how to raise a dispute. If your question is not answered here, reach us via email or live chat.

Access depends on local law and is available only where local law in your state or territory permits it. Check the regulations applicable to your location before opening an account — we do not extend access to restricted regions.

We collect your name, email address, mobile number and the payment identifier you use — such as a UPI handle, Paytm account or PhonePe number. This data is used solely for account operation, identity verification and payment processing.

Data is retained for the period mandated by applicable Indian financial and anti-fraud regulations. Once that period expires, your records are securely deleted. You may request early removal of non-mandatory fields at any time via our policy email.

Email our policy team from the address registered to your account, stating which data you want amended or deleted. We process all requests within the timeframe required by law and confirm completion in writing once done.

Yes. Non-essential cookies can be withdrawn via the settings panel at any time. Withdrawing cookie consent affects analytics tracking only; your login sessions, UPI / Paytm / PhonePe payment flows and account features continue to work normally.

Submit the dispute through live chat or email with your account ID and the transaction reference. Our internal resolution team reviews it within five business days. If unresolved, we will provide details of an external escalation path in writing.

Two-factor verification is required at every login and on each withdrawal request. Changing a linked payment method — UPI handle, Paytm or PhonePe number — triggers an additional identity check to ensure only you can redirect funds.

Our Legal Terms, Your Account Rights

How to Contact Us on Legal Matters

Data, Security and Account Practices

Data Collection Scope

Cookie Management

Account Security

Data Retention Period

Who to Contact for Changes

Dispute Resolution Steps

Frequently Asked Questions on Our Policy

01 Can I access warlimatka from anywhere in India?

02 What personal data does warlimatka collect when I register?

03 How long is my account data kept after I close my account?

04 How do I request a correction or deletion of my personal data?

05 Can I turn off cookies on warlimatka.com without losing account access?

06 What happens if I raise a dispute about a transaction or account decision?

07 How does warlimatka protect my account from unauthorised access?

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