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How kheloyaar360 Handles Your Personal Data

At kheloyaar360, we collect only the data we need to run your account, process payments via UPI, Paytm or PhonePe, and keep your experience secure.

Data collected with your consentPayments via UPI, Paytm, PhonePeRight to access your dataRight to request deletionSecure encrypted storage

Explore the Lobby Read FAQ

What Data We Collect and Why

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

When you open an account with kheloyaar360, we collect registration details such as your name, email address and phone number. If you make a deposit or withdrawal using UPI, Paytm or PhonePe, we record transaction references to verify your payment and process the transfer accurately. We

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also collect device and session data — such as IP address, browser type and pages visited — to detect suspicious activity and keep your account protected. All data collection is subject to applicable local law, and access to our platform is available only where local law
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permits. We do not sell your personal data to third parties, and we do not share it with marketing partners without your explicit consent. Data related to payment transactions via Paytm or PhonePe is retained only as long as required for accounting, dispute resolution and legal
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compliance.

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

REACH OUR PRIVACY TEAM

How to Contact Us About Your Data

If you have a question about how we handle your personal data, want to correct an entry on your account, or wish to submit a deletion request, our privacy support team is…

Email Support Send your data request or privacy query to our dedicated address. We process all emails within 72 hours and confirm receipt so you know your message reached the right team.

Live Chat Open the chat widget from any page on kheloyaar360.asia and select 'Privacy & Data' from the topic menu. An agent will walk you through submitting a formal data request in real time.

Help Centre Our Help Centre at kheloyaar360.asia carries step-by-step articles on data access requests, account data downloads and how to update personal details tied to your UPI or Paytm account.

DATA PROTECTION PRACTICES

How We Protect and Manage Your Information

From the moment you create an account to the point you request data deletion, kheloyaar360 applies a consistent set of security and data-management practices.

Encrypted Storage

All personal data — including account credentials and payment references from UPI and Paytm transactions — is stored using AES-256 encryption. Access is logged, audited and restricted to personnel with a documented operational need.

Cookie Policy

We use strictly necessary cookies to keep your session active and functional cookies to remember your language preference. Analytics cookies are only placed after you accept them via our cookie consent banner on kheloyaar360.asia.

Account Security

Your account is protected by password hashing and optional two-step verification. If we detect a login from an unrecognised device — whether you're in Chennai or anywhere else — we send an alert to your registered email or phone number immediately.

Data Retention

We retain account data for as long as your account is active and for the period required by applicable law after closure. Payment transaction records linked to PhonePe or UPI are kept for the minimum period necessary for financial compliance.

Your Rights

You have the right to access a copy of the data we hold, correct inaccuracies, request portability and ask for deletion where no legal obligation requires us to retain it. Submit requests via email or live chat and we will respond within 72 hours.

Third-Party Sharing

We share data with payment processors such as UPI networks and Paytm only to complete your transactions. We do not share your data with advertisers or data brokers, and any third-party processor we engage is bound by contractual data-protection obligations.

Common Questions About Our Privacy Policy

Below are the questions we receive most often about how kheloyaar360 handles personal data, what rights you have under applicable law, and how to act on those rights. If your question is not covered here, our privacy team is reachable via live chat or email at any time.

We collect your name, email address, phone number and, if you make a deposit via UPI, Paytm or PhonePe, the transaction reference needed to verify and process your payment. We do not store your full bank account or card number on our servers.

We share your data only with payment processors required to complete a UPI or Paytm transaction, and with service providers who help us run the platform under strict contractual confidentiality terms. We do not sell your data to any third party.

Account data is retained while your account is active and for the period required by applicable Indian law after you close it. Payment records linked to PhonePe or UPI are kept for the minimum period needed to satisfy financial and legal compliance requirements.

Send a data-access request to our privacy team via email or through the live chat on kheloyaar360.asia — select the 'Privacy & Data' topic. We will confirm receipt and provide your data within the timeframe required by applicable law, typically within 30 days.

Yes. If no legal obligation requires us to retain your data, we will delete it upon request. Submit a deletion request via email or live chat. We will confirm the outcome in writing once the process is complete, within the period required by applicable law.

We use strictly necessary cookies for session management and optional analytics cookies that are placed only with your consent. You can withdraw cookie consent or adjust preferences at any time using the cookie settings panel available on kheloyaar360.asia.

Account credentials are hashed and never stored in plain text. Payment references from UPI, Paytm or PhonePe transactions are encrypted at rest with AES-256. Two-step verification is available and we send login alerts for any unrecognised device access attempt.

How kheloyaar360 Handles Your Personal Data

How to Contact Us About Your Data

How We Protect and Manage Your Information

Encrypted Storage

Cookie Policy

Account Security

Data Retention

Your Rights

Third-Party Sharing

Common Questions About Our Privacy Policy

01 What personal data does kheloyaar360 collect when I open an account?

02 Does kheloyaar360 share my data with third parties?

03 How long does kheloyaar360 keep my personal data?

04 How can I request a copy of the data you hold about me?

05 Can I ask kheloyaar360 to delete my personal data?

06 What cookies does kheloyaar360 use and how do I manage them?

07 Is my account and payment data secure on kheloyaar360?

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