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How bhagyakuri Handles Your Personal Data

At bhagyakuri, we take the privacy of every account holder seriously — what you share with us stays protected, processed only for the purposes you'd expect, and never…

Data Never SoldEncrypted Account DetailsUPI & Paytm Privacy SafeRight to Access Your DataContact Us Anytime

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What This Policy Covers and Where It Applies

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

This privacy policy applies to all account holders and anyone who browses bhagyakuri.com, wherever access is permitted under local law. We collect information you provide directly — such as your name, contact details, and payment method identifiers — and technical data such as device type, session

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timestamps, and IP address. Payment identifiers linked to UPI handles, Paytm accounts, or PhonePe numbers are stored in encrypted form and used solely to process your deposits and withdrawals. We do not retain full payment credentials on our servers. Availability of our services depends on local
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law, and this policy applies only where access is lawful in your region. If you have questions about whether this policy applies to you, reach our privacy team directly.

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

PRIVACY CONTACT PATHS

Reach Our Privacy Team When You Need To

We keep our privacy contact channels straightforward so you can raise a concern, request your data, or ask us to delete your account information without friction.

Email Privacy Support Send your data request or privacy concern to our dedicated privacy inbox. Include your registered email address so we can verify your identity and process your request within 72 hours.

Live Chat on bhagyakuri.com Open the chat widget on bhagyakuri.com and ask for the privacy team. Agents are available during extended hours and can escalate data access or deletion requests on your behalf in the same session.

Account Settings Panel Log into your account, head to Settings, and use the Data & Privacy section to download your stored data, update your communication preferences, or submit a deletion request directly without contacting support.

HOW WE PROTECT YOU

Data Handling, Cookies, and Account Security at bhagyakuri

Every layer of our data handling — from the moment you enter a detail to the day you close your account — follows a consistent set of practices designed to keep your…

Data Collection

We collect only what is necessary: your name, email address, phone number, and payment method identifiers. Behavioural data such as pages visited and session duration is collected in aggregate and cannot be tied back to you personally.

Cookie Usage

Our site uses functional cookies to keep your session active and analytical cookies to understand which pages work well. You can manage or withdraw cookie consent at any time through the cookie banner or your browser settings without affecting your account access.

Account Security

Passwords are hashed using industry-standard algorithms and never stored in plain text. We apply two-step verification prompts on new device logins and flag unusual access patterns to our security team automatically.

Data Retention

Active account data is retained for as long as your account remains open. If you close your account, personal identifiers are deleted within 30 days; transactional records required for financial compliance are retained for the legally required period, then purged.

Who Can Access Your Data

Only verified bhagyakuri staff with a legitimate operational need can access account-level data. Payment processors such as UPI networks and Paytm receive only the tokenised identifiers needed to execute a transaction and nothing beyond that.

Requesting Changes or Deletion

You can request a copy of all data we hold about you, ask us to correct inaccurate details, or request full deletion by contacting our privacy team via email or through the Data & Privacy section inside your account settings.

Your Privacy Rights at bhagyakuri — Answered

These are the questions our account holders raise most often about how we handle personal data. If your question is not here, our privacy team is reachable via email or live chat and will respond within 72 hours.

We collect your name, email address, phone number, and the identifiers associated with your chosen payment method — for example, your UPI handle or Paytm-linked number. We also log device type and session timestamps for security purposes.

Payment identifiers are tokenised before storage, meaning we hold a secure reference rather than your raw account detail. Neither your UPI handle nor your PhonePe number is stored in a readable format on our servers.

Yes. Submit a data access request through the Data & Privacy section in your account settings, or email our privacy team. We will compile and send your data within 30 days of verifying your identity.

Log into your account and use the deletion option in Settings, or contact our privacy team by email. After identity verification, personal identifiers are deleted within 30 days. Certain transactional records are retained only as long as legally required.

We do not sell your data. We share only what is strictly necessary with payment processors like UPI networks and Paytm to complete transactions, and with security vendors who help us detect fraudulent access — all under strict data-processing agreements.

Open your account settings and navigate to Communication Preferences to turn off any category of marketing message. Alternatively, every promotional email we send includes an unsubscribe link that takes effect within 48 hours.

Reach our privacy team by email or via live chat on bhagyakuri.com. If you remain unsatisfied after our response, you have the right to escalate the matter to the relevant data protection authority in your jurisdiction where local law permits.

How bhagyakuri Handles Your Personal Data

Reach Our Privacy Team When You Need To

Data Handling, Cookies, and Account Security at bhagyakuri

Data Collection

Cookie Usage

Account Security

Data Retention

Who Can Access Your Data

Requesting Changes or Deletion

Your Privacy Rights at bhagyakuri — Answered

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

02 Is my UPI or PhonePe payment detail stored on your servers?

03 Can I request a copy of all the data bhagyakuri holds about me?

04 How do I ask bhagyakuri to delete my personal data?

05 Does bhagyakuri share my data with third parties?

06 How can I opt out of marketing communications?

07 Who do I contact if I believe my privacy rights have been violated?

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