Reference

l99 Privacy Policy for Your Data

This page explains what we collect, why we use it, how long we keep it and when we may share it under law.

Data UseCookie ControlsRetentionRequest Access

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What This Policy Covers in India

l99 Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

This policy applies to the details you share with us when you open an account, ask for help, verify identity, or send a privacy request. It also covers device, browser and session data that help us keep records accurate and reduce misuse. Where local law allows,

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we may process or store records outside India through service providers that handle hosting, security or messaging on our behalf. For payment context, we may record UPI, Paytm or PhonePe transaction references only to confirm the request, resolve a mismatch and meet record-keeping rules. If a
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rule in your state or region gives you a different right, that local rule applies. When the law says we can do something only in a permitted place, we do it only where local law permits.

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

HELP CHANNELS

Where to Send Privacy Requests

If you want to see the details we hold, correct a record, or ask about deletion, use the privacy request path in your account or the…

HANDLING STANDARDS

How We Handle Privacy Requests

We handle privacy requests with the same care we use for login and wallet records: only the details needed for the request are collected, checked and stored.

Data we collect

We only collect what is needed for account setup, identity checks, support messages and payment tracing. That can include name, contact details, device signals and the record attached to a UPI, Paytm or PhonePe transaction.

Cookie use

Cookies and similar tools help keep you signed in, remember the page you left and understand whether the site is working as expected. They do not let us ignore your privacy choices or legal rights.

Account security

Login checks, one-time codes and device review help us stop unauthorised access to your profile and request history. If something looks off, we may pause a change until the account is verified again.

Retention

We keep records only for the period needed for the request, dispute handling, fraud checks, tax records or other legal duties. When the retention period ends, we delete or de-identify the record where practicable.

Processors

Some storage, messaging and verification tasks are handled by service providers that work for us under contract. They receive only the data needed for their task and must protect it under the same instructions.

Your edits

You can ask to see, correct, update or delete details that are inaccurate or no longer needed. Tell us what to change, how to contact you and, if needed, the record you want us to find.

Common Questions About Your Data

If you are deciding whether to open an account, these questions explain the way we handle your details, the records attached to payments and the steps for changes. We keep the answers focused on privacy only, so you can see what we store, why we store it and how to reach us when something needs to be corrected.

We collect the details needed to create the account, confirm contact points and protect the session. That usually includes your name, phone number, email address, device signals and any payment reference you submit for verification.

Yes. Send a request through the privacy contact path and tell us what you want to see. We will verify the account first, then share the details we are able to disclose under applicable law.

Cookies help remember the page state, keep you signed in and reduce repeated checks. They do not change the rights you have over your own details, and you can ask us about them at any time.

We may keep the transaction reference, status and related record when a payment passes through UPI, Paytm or PhonePe, because those details help us confirm the request, handle mismatches and meet legal duties.

Yes. Tell us exactly which detail is wrong or no longer needed, and we will check the record, confirm the request and update or remove it where the law allows.

Use the privacy form in your account or the contact path shown in the footer. Add your name, account detail and the request type so we can route it to the right team quickly.

l99 Privacy Policy for Your Data

Where to Send Privacy Requests

How We Handle Privacy Requests

Data we collect

Cookie use

Account security

Retention

Processors

Your edits

Common Questions About Your Data

01 What details do you collect when I open an account?

02 Can I ask for a copy of my data?

03 How do cookies affect my privacy?

04 Do you keep UPI, Paytm or PhonePe records?

05 Can I ask for correction or deletion?

06 How do I contact you about privacy?

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