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How y81 Handles Your Personal Information

At y81, we take the privacy of your account details, payment data and browsing activity seriously — this page explains exactly what we collect, why we collect it…

Data encrypted at rest and in transitNo sale of personal data to third partiesUPI and Paytm details handled separatelyAccount data deletion on requestIndia-region privacy standards applied

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Data We Gather and Why We Need It

y81 Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

When you open an account with y81, we collect information you provide directly — your name, email address, phone number and, where relevant, payment identifiers linked to UPI, Paytm or PhonePe. We also gather technical data such as device type, IP address and session timestamps to

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keep your account secure and to resolve any access issues quickly. Transaction records for deposits and withdrawals are retained for the period required under applicable Indian financial regulations. We do not collect more than we need, and we do not use your data for purposes beyond
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operating your account, processing payments, and improving how our platform responds to your activity. Your payment context — including which rail you used (UPI, PhonePe, Paytm) — is stored only to verify and reconcile your transactions, not for marketing profiling.

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

PRIVACY CONTACT PATHS

Reach Us About Your Privacy Rights

Email Privacy Team Send a written request to our dedicated privacy address. We respond within 72 hours on working days, confirming receipt and next steps for your data request or correction query.

Live Chat Support Our live chat agents are available around the clock. For privacy queries, they will escalate your case to the data team and provide you with a reference number within minutes.

Account Settings Panel Many privacy actions — such as updating contact details, reviewing stored payment references and downloading your activity log — are available directly inside your y81 account settings panel.

HOW WE PROTECT YOU

Data Handling, Cookies and Account Security at y81

Every layer of our data infrastructure is designed so your personal and financial information stays accessible to you and no one else.

Encryption Standards

All data exchanged between your device and y81 servers travels over TLS encryption. Stored records — including your UPI reference history — are encrypted at rest using industry-standard AES-256 so they remain unreadable if ever accessed without authorisation.

Cookie Policy

We use session cookies to keep you logged in and preference cookies to remember your lobby settings. Analytics cookies help us understand which pages you return to so we can improve them. You can adjust cookie permissions in your browser at any time without losing account access.

Account Security Measures

Two-factor authentication is available on every y81 account. When a login is detected from an unfamiliar device or location, we send a verification prompt to your registered mobile number before granting access, reducing the risk of unauthorised entry.

Data Retention Schedule

We keep your account and transaction data for as long as your account is active and for a statutory period thereafter, as required under applicable Indian regulations. Once that period ends and you have requested deletion, we remove your personal identifiers from our live systems.

Who Sees Your Data

Access to your personal data inside y81 is limited to staff whose role requires it — account verification, payment reconciliation, and fraud prevention teams only. We do not sell, rent or share your data with advertisers or unrelated third parties.

Requesting Changes or Deletion

You may request a copy of the data we hold, ask us to correct inaccuracies, or request deletion of your account record at any time. Submit your request via email or live chat; we aim to complete verified requests within 30 calendar days.

Common Questions About Your Privacy on y81

Below are the questions we hear most often about how y81 collects, stores and manages your data. If your question is not covered here, reach out through live chat or email and our team will respond within 72 hours.

We collect your name, email address, mobile number and the payment identifiers you use — such as your UPI handle or Paytm-linked number — along with device and session data needed to secure your account and process transactions correctly.

We do not sell or rent your data. We share limited information only with payment processors like UPI rails, Paytm and PhonePe to complete your transactions, and with fraud-prevention services strictly to protect your account from unauthorised access.

Your data is retained while your account is active and for the statutory period required under Indian financial regulations thereafter. After your verified deletion request is fulfilled, personal identifiers are removed from our live databases within 30 days.

Yes. Submit a data-access request via email or through live chat. We will verify your identity and send you a structured copy of the personal data we hold, including transaction references and account activity, within 30 calendar days of confirmation.

We use session cookies for login continuity, preference cookies for lobby settings, and analytics cookies to understand page usage. You can disable non-essential cookies in your browser settings at any time; your account will continue to work normally.

Payment identifiers linked to Paytm, PhonePe or UPI are retained only for the statutory period required to satisfy Indian financial record-keeping rules. After that window closes and your deletion request is confirmed, those identifiers are purged from our systems.

Contact our privacy team by email or live chat with a clear description of your concern and your account reference. We acknowledge all privacy complaints within 72 hours and aim to resolve them fully within 30 days, keeping you updated throughout the process.

How y81 Handles Your Personal Information

Reach Us About Your Privacy Rights

Data Handling, Cookies and Account Security at y81

Encryption Standards

Cookie Policy

Account Security Measures

Data Retention Schedule

Who Sees Your Data

Requesting Changes or Deletion

Common Questions About Your Privacy on y81

01 What personal information does y81 collect when I open an account?

02 Does y81 share my data with third parties?

03 How long does y81 keep my account and payment records?

04 Can I request a copy of the data y81 holds about me?

05 How does y81 use cookies and can I turn them off?

06 What happens to my Paytm or PhonePe details if I close my account?

07 Who should I contact if I believe my privacy rights have not been respected?

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