Reference

Clear Terms That Protect Your Account

Our legal framework sets out exactly what you can expect from bhagyakuri and what we expect in return — covering account conditions, data handling, and jurisdiction-specific access where…

Account TermsPrivacy PolicyData RetentionCookie UseJurisdiction Notice
Explore Lobby Read FAQ
bhagyakuri Clear Terms That Protect Your Account
REACH OUR LEGAL TEAM

Contact Us About Policy Matters

If you have questions about how our terms apply to your account, need a copy of your data, or want to raise a concern about how your information is handled, our support…

Email Support Send your legal or privacy query to our dedicated policy address. Include your registered account details so we can locate your record and respond with the correct policy context for your jurisdiction.
Live Chat Our chat agents can route policy and account-terms questions to the right team immediately. Available around the clock, so you are not waiting to get clarity on a term or condition that affects your account.
Help Centre Our online help centre holds plain-language summaries of each policy section. Search by topic — data access, cookie settings, account closure — and find the relevant clause without reading the full document.
HOW WE HANDLE THIS

Our Approach to Data, Security and Account Integrity

We handle your personal data with clearly defined retention limits and access controls. Every team member who touches account data operates under strict internal policies, and we conduct periodic reviews to ensure…

Data Collection Scope

We collect only the data needed to operate your account — registration details, transaction history via UPI, Paytm or PhonePe, and session logs. We do not sell your personal data to third parties for marketing purposes.

Cookie Policy

Our site uses functional cookies to keep you logged in and analytical cookies to improve page performance. You can adjust cookie preferences through the settings panel at the bottom of any page without affecting core account functions.

Account Security

Passwords are stored using one-way hashing. Sensitive account actions — such as changing your registered mobile number or withdrawal destination — require re-authentication via a one-time code sent to your registered contact.

Data Retention Periods

Transaction records are retained for the period required by applicable financial regulations in your jurisdiction. Account profile data is held while your account remains active and for a defined window after closure, in line with our legal obligations.

Your Access Rights

You have the right to request a copy of all personal data we hold about you, to correct inaccurate records, and to ask for deletion where no legal retention obligation applies. Submit requests via email and we will respond within seven business days.

Policy Change Notices

When we make a material change to any policy, we post a notice on your account dashboard at least seven days before the change takes effect. You can also view the version history of each policy document in the help centre.

Your Questions About Our Legal Terms

Below you will find answers to the questions we receive most often about account conditions, data rights, and how our policies work in practice for accounts based in India.

Availability depends on local law in your specific state or territory. It is your responsibility to check whether accessing our platform is permitted where you reside. We do not restrict sign-ups at the platform level beyond what applicable law requires.

The complete terms document is available in the help centre under the Legal section. You can also request a PDF copy by emailing our support team with your account details, and we will send it to your registered email address within one business day.

We collect your name, contact details, date of birth, and payment method identifiers such as your UPI VPA or Paytm-linked mobile number. Session and transaction logs are also retained for the period required by applicable regulations.

Yes. Submit a deletion request via email with your registered account details. We will action the request within seven business days, subject to any retention obligations under financial or tax regulations that may require us to keep certain records longer.

Contact our support team within 30 days of the transaction in question. We will review the relevant logs and payment-gateway records and provide a written response. If you are unsatisfied, our terms set out the escalation path for formal dispute resolution.

Your profile data is marked inactive immediately. Transaction and identity records are retained for the legally required window — typically aligned with financial reporting obligations — and then permanently deleted. You will receive confirmation once deletion is complete.

Email our privacy team directly with a description of your concern and your account reference. We aim to acknowledge all data-related complaints within two business days and to provide a substantive response within seven calendar days of receiving your message.

Related Pages

Lucky Diwali El Dorado About Us Register