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Terms and Conditions That Govern Your Account

These terms set out the agreement between you and warlimatka when you open an account and use any part of our platform — including the lobby, wallet, and…

Applies to all account holdersGoverned by applicable Indian lawUpdated terms notified via registered emailUPI, Paytm, PhonePe wallet rules included

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What These Terms Cover and How They Bind You

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

By completing account registration on warlimatka.com, you confirm that you have read, understood, and agreed to every clause in these terms. The agreement covers your use of account features, the rules that apply to deposits and withdrawals processed through UPI, Paytm, and PhonePe, and the conduct

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standards we expect while you are active in any section of the platform. We may amend these terms at any time; when we do, we send a notification to the email address registered on your account before the changes take effect. Continued use of the account
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after that notification is treated as acceptance of the revised terms. If you disagree with any amendment, you must close your account before the stated effective date. Access to the platform depends on whether your local law in India permits it — you are responsible for
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verifying that before using the service.

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

TERMS CONTACT PATHS

Reach Us About Any Clause or Account Rule

If any clause in these terms is unclear, or if you want to raise a formal dispute about how a rule has been applied to your…

HOW WE UPHOLD THESE TERMS

Security, Data, and Account Standards We Maintain

These six practices reflect how warlimatka operationalises the commitments written into these terms — from securing your data to ensuring you can request changes to your account record at any time.

Data Handling

Your personal data is stored on encrypted servers. We collect only what is needed to operate your account, verify transactions, and comply with applicable Indian law — nothing beyond that scope.

Cookie Policy

We use session and analytics cookies to keep your account active and to understand how the lobby is used. You can adjust cookie preferences from your browser settings at any point.

Account Security

Two-factor authentication is available for all accounts. We log every login attempt and flag unusual access patterns so you are alerted before any unauthorised action can proceed.

Data Retention

We retain transaction records and account data for the period required under applicable law. Once that period lapses, records are securely deleted unless an active dispute requires them to be kept.

Your Right to Request Changes

You may request a correction to any inaccurate personal detail held on your account by contacting support with proof of the correct information. We process verified correction requests within five working days.

Who to Contact for Policy Queries

Direct all formal terms-related correspondence to our compliance team via the email listed in the Help Centre. Include your account ID and the specific clause number you are writing about for a faster response.

Frequently Asked Questions About These Terms

The questions below address the points our account holders raise most often about how these terms work in practice — covering rights, account access, data, and how to challenge a decision we have made.

Yes, these terms apply to every account holder regardless of the device or location used, provided access is permitted under your local law in India. It is your responsibility to confirm that using the platform is lawful where you are.

We send an email notification to your registered address before any revision takes effect, stating the changed clauses and the date the new version applies. Continued account use after that date means you accept the revised terms.

Yes. Submit a data-access request through the Help Centre or by emailing our compliance team with your account ID. We respond with a structured summary of your data within seven working days of verifying your identity.

If you do not accept the revised terms, you must close your account before the stated effective date. Closing your account will not affect any pending withdrawal already submitted through UPI, Paytm, or PhonePe before closure.

Raise the dispute through live chat or email within 30 days of the transaction date. Our team reviews the transaction log, contacts the relevant payment rail if needed, and issues a written finding within five business days.

Yes. Sections 4 and 5 of these terms detail the processing rules, applicable limits, and verification steps for UPI, Paytm, and PhonePe transactions. Those clauses are part of this agreement and carry the same binding force.

Submit a written challenge to our compliance team via email within 14 days of the decision. State the clause you believe was misapplied and attach any supporting evidence. We provide a final written response within ten business days.

Terms and Conditions That Govern Your Account

Reach Us About Any Clause or Account Rule

Security, Data, and Account Standards We Maintain

Data Handling

Cookie Policy

Account Security

Data Retention

Your Right to Request Changes

Who to Contact for Policy Queries

Frequently Asked Questions About These Terms

01 Do these terms apply to me if I access warlimatka from India?

02 How will I know when the terms have been updated?

03 Can I request a copy of the personal data warlimatka holds on my account?

04 What happens to my account if I disagree with a terms update?

05 How do the terms handle a disputed transaction on my account?

06 Are there separate rules for deposits and withdrawals made via UPI or Paytm?

07 How do I formally challenge a decision made about my account under these terms?

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