Reference

Your Rights and Our Legal Commitments

kheloyaar360 operates under a defined legal framework that sets out what you can expect from us and what we expect from you when you hold an account.

Account TermsPrivacy PolicyData RetentionDispute ProcessJurisdiction Clause

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How Our Terms Apply to Your Account

kheloyaar360 Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

Access to kheloyaar360 and its account services depends on local law and is available where local law permits. Our terms govern every interaction between you and the platform — from the moment you open your account through to any withdrawal you process via UPI, Paytm or

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PhonePe. We collect only the data necessary to verify your identity and process transactions securely; we do not share it with third parties except where required by applicable law or payment processors. Any update to our legal terms will be communicated to your registered email address
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at least seven days before it takes effect, giving you time to review changes before they apply. Continuing to use your account after that notice period constitutes acceptance of the updated terms.

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

LEGAL CONTACT PATHS

Reach Our Legal and Compliance Team

If you have a question about our terms, a data request, or a dispute that has not been resolved through standard account support, our legal and compliance team is reachable through the…

Legal Email Send detailed legal queries, data-access requests or formal complaints to our dedicated legal inbox. We acknowledge within one business day and respond in full within five business days of receipt.

Account Support Chat For account-level concerns — terms clarification, transaction disputes or identity-verification questions — our support chat is available around the clock and escalates to the legal team when required.

Formal Post Statutory notices and formal legal correspondence may be sent to our registered postal address, which is listed in full at the foot of this page. Allow up to ten business days for postal responses.

HOW WE HANDLE POLICY

Data, Security and Your Account Rights

Our approach to privacy and data is built around the principle that your information belongs to you.

Data Collection Scope

We collect your name, contact details and payment identifiers — such as your UPI handle or Paytm-linked number — only to verify identity, process transactions and meet regulatory obligations. No surplus data is retained beyond what those purposes require.

Cookie Policy

Our site uses strictly necessary cookies to keep your session active and preference cookies to remember your language and lobby layout. Analytics cookies are opt-in; you can adjust your cookie choices at any time from the privacy settings panel in your account.

Account Security

Every account is protected by two-factor authentication at login. Your password is stored using one-way hashing, and all data in transit between your device and our servers is encrypted via TLS 1.2 or higher at all times.

Data Retention Schedule

Transaction records are kept for seven years to meet financial-reporting obligations. Profile data is retained for as long as your account is active and deleted within 90 days of a verified account-closure request, subject to any statutory hold periods.

Your Right to Access

You may request a full export of the personal data we hold on you at any time by writing to our legal inbox. We will deliver a structured data file to your registered email address within 30 days of receiving a verified request.

Dispute and Escalation Path

If a dispute cannot be resolved through account support, you may escalate in writing to our legal team. We follow a structured escalation process — internal review first, then referral to the applicable dispute-resolution body if no resolution is reached within 15 business days.

Frequently Asked Legal Questions

Below are the questions we receive most often about our terms, data practices and account conditions. If your question is not covered here, reach out to our legal team directly via the contact paths listed above.

Your account is subject to the laws of the jurisdiction under which kheloyaar360 operates. Access is available where local law in India permits. The governing law and dispute forum are specified in full in the terms-and-conditions document linked at the foot of this page.

Yes. Write to our legal inbox with your account ID and a deletion request. We will close your account and erase profile data within 90 days, subject to any mandatory retention periods under applicable financial or regulatory law that may require us to keep transaction records longer.

Payment identifiers are transmitted over TLS-encrypted connections and are never stored on our servers in plain text. UPI and PhonePe transactions are processed via PCI-DSS-compliant payment processors; we receive only a masked reference, not your full payment credentials.

We send an email to your registered address at least seven days before any material change takes effect. The email summarises what has changed. Continuing to use your account after the notice period means you accept the updated terms; you may close your account before that date if you do not agree.

Start by contacting account support via chat, which operates around the clock. If that does not resolve your concern, submit a written complaint to our legal inbox. We will acknowledge within one business day and escalate unresolved matters to the applicable dispute-resolution body after 15 business days.

We share data only with identity-verification providers, payment processors such as Paytm, and regulatory authorities when required by law. We do not sell your data or share it with advertisers. All third-party processors are bound by data-processing agreements that restrict how they may use your information.

Transaction records — including deposits via UPI or Paytm and any withdrawals processed through PhonePe — are retained for seven years to comply with financial-reporting obligations. After account closure, profile data is removed within 90 days once any mandatory hold period has elapsed. Players in Chennai and Kolkata are subject to the same national retention schedule.

Your Rights and Our Legal Commitments

Reach Our Legal and Compliance Team

Data, Security and Your Account Rights

Data Collection Scope

Cookie Policy

Account Security

Data Retention Schedule

Your Right to Access

Dispute and Escalation Path

Frequently Asked Legal Questions

01 Which laws govern my account with kheloyaar360?

02 Can I request deletion of my personal data?

03 How do you protect the payment details I submit via UPI or PhonePe?

04 What happens if kheloyaar360 changes its terms?

05 How can I raise a formal complaint or legal dispute?

06 Do you share my data with third parties?

07 How long do you keep my transaction records?

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