Reference

Your Rights and Our Policy Commitments

chartkalyan operates under a clear set of legal terms that define how your account, your data and your activity on this platform are handled.

Account Eligibility TermsData Retention PolicyUser Rights & RequestsJurisdiction-Dependent AccessPrivacy & Cookie Consent

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How Our Terms Apply to You

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

Access to chartkalyan and the services described in these terms depends on local law and is available where local law permits. If you are accessing this platform from India, you are responsible for confirming that your use complies with applicable legislation in your state or territory.

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Our terms govern everything from account creation and identity verification to fund handling and dispute resolution. Transactions on this platform — whether processed via UPI, Paytm or PhonePe — are subject to the conditions set out in the payment and withdrawal section of these terms. We
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do not accept liability for restricted access arising from regulatory changes in your jurisdiction. These terms may be updated periodically, and continued use of the platform constitutes acceptance of the current version. We recommend checking this page when you notice the version date has changed.

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

LEGAL CONTACT PATHS

Reach Us on Policy and Legal Matters

If you have a question about these terms, a request to access your personal data, or a dispute you want to escalate, our support team has dedicated paths for legal and privacy…

Email Support Send your legal or privacy query to our dedicated policy inbox. We acknowledge receipt within 24 hours and provide a substantive response on account and data matters within five working days.

Live Chat For urgent account-access or identity-verification issues that touch on your legal rights, start a live chat session. Our agents can escalate directly to the compliance team during support hours.

Written Request Formal data-access, correction or deletion requests must be submitted in writing via the account portal or by email. We process these requests in line with the retention schedule set out in our privacy policy.

HOW WE HANDLE YOUR DATA

Account Security, Privacy and Data Practices

We hold your personal data only for as long as your account is active or as required by applicable law.

Data Minimisation

We collect only what is needed to operate your account and process transactions via UPI, Paytm or PhonePe. No additional data is held beyond what verification and payment processing require under applicable rules.

Cookie Consent

Cookies are used for session management, fraud detection and performance analytics. You can manage your cookie preferences at any time through the settings panel, and withdrawing consent does not affect your account access.

Account Security

Your account is protected by password hashing and optional two-factor authentication. We flag unusual login attempts automatically and notify you by email or SMS before any sensitive account change is processed.

Data Retention Schedule

Active account data is retained for the duration of your membership. After account closure, transaction records are held for the period required by applicable financial regulations, then permanently deleted from our servers.

Who to Contact for Changes

To request a correction, export or deletion of your personal data, contact our privacy team via the written-request path in the Account Portal. We will confirm receipt and complete the action within the statutory window.

Third-Party Data Sharing

We share data only with payment processors — UPI, Paytm, PhonePe — and identity-verification partners strictly necessary to operate your account. We do not sell personal data to advertising networks or data brokers.

Frequently Asked Policy Questions

These answers cover the legal questions we receive most often about account eligibility, data rights and how our terms apply to users in India. If your question is not here, reach us through the contact paths above.

Access depends on local law and is available where local law permits. You are responsible for confirming that using this platform complies with the laws of your specific state or territory before creating an account.

We collect your name, contact details and identity documents needed for verification, plus transaction data tied to your UPI, Paytm or PhonePe payments. We do not collect more than what account operation and compliance require.

Submit a written data-access request through the Account Portal or by email to our privacy inbox. We confirm receipt within 24 hours and deliver your data export within the timeframe set by applicable law.

Yes. Submit a deletion request in writing via the Account Portal. We will remove your data except where retention is required by financial regulations. Transaction records tied to real-money activity are held for the legally mandated period before deletion.

After account closure, we retain transaction records for the period required under applicable financial law, then permanently delete them. Non-transactional personal data is removed as soon as the closure is processed.

Disputes should first be raised with our support team via live chat or email. If a resolution is not reached at that stage, the matter proceeds under the dispute-resolution clause in the full terms, which specifies the applicable jurisdiction and process.

We update the version date at the top of this page whenever terms change. For material changes, we send a notification to your registered email address. Continued use of the platform after the effective date constitutes acceptance of the updated terms.

Your Rights and Our Policy Commitments

Reach Us on Policy and Legal Matters

Account Security, Privacy and Data Practices

Data Minimisation

Cookie Consent

Account Security

Data Retention Schedule

Who to Contact for Changes

Third-Party Data Sharing

Frequently Asked Policy Questions

01 Is chartkalyan legally accessible to users in India?

02 What personal data does chartkalyan collect when I open an account?

03 How do I request a copy of the data held about me?

04 Can I ask chartkalyan to delete my personal data?

05 What happens to my data after I close my account?

06 How are disputes about these terms resolved?

07 How will I know if the legal terms have changed?

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