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Terms and Policy Governing Your 9ql Account

Every account on 9ql operates under a clear set of terms — covering data privacy, account access, fund handling and dispute resolution — so you know exactly where…

Account TermsPrivacy PolicyData RetentionDispute ProcessCookie Policy

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What Our Terms Cover and How They Apply

9ql Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

9ql's terms of service govern the relationship between you and the platform from the moment you open an account. They define how your personal data is collected, stored and used, how financial transactions processed via UPI, Paytm and PhonePe are recorded and reconciled, and under what

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circumstances account access may be suspended or reinstated. Jurisdiction over these terms follows the laws of the territory in which you access the platform — where local law permits. We do not override local statutory rights: if a provision in our terms conflicts with a right
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granted to you by Indian consumer-protection law, the statutory right prevails. Any amendment to these terms will be communicated via your registered email address at least fourteen days before it takes effect, giving you time to review the change and decide how to proceed.

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

POLICY CONTACT PATHS

How to Reach Us on Legal and Policy Matters

If you have a question about your rights under our terms, want to request a copy of the data we hold on your account, or need to escalate a dispute, our policy…

Email Support Send your query, account ID and the specific policy section in question to our legal contact address. We log every submission and respond in the order received, with priority given to account-access disputes.

Live Chat Our in-platform chat connects you to a policy-trained agent during business hours. Raise data-access requests, terms clarifications or account-suspension queries directly inside your 9ql account dashboard.

Formal Dispute Submission For unresolved matters, submit a formal dispute via the dedicated form in the Help section. Include transaction references and relevant dates so our compliance team can retrieve records and respond with precision.

HOW WE HANDLE YOUR DATA

Data Handling, Cookies, Security and Account Retention

Our approach to data stewardship is built around the principle that you should know what we collect, why we collect it and how long we keep it.

Data Collection Scope

We collect the information you provide at registration — name, contact details, payment identifiers for UPI, Paytm or PhonePe — plus session logs generated when you use the platform. We collect only what is necessary to operate your account and process transactions.

Cookie Usage

We use session cookies to keep you logged in and preference cookies to remember your lobby layout and language setting. Analytics cookies measure page load and feature usage in aggregate; they do not identify you personally. You can adjust cookie preferences in your browser at any time.

Account Security Practices

Passwords are hashed using industry-standard algorithms and are never stored in plain text. Two-factor authentication is available for all accounts. Suspicious login attempts from unrecognised devices trigger an automatic hold and an alert to your registered email or mobile number.

Data Retention Period

Transaction records and account activity logs are retained for the period required by applicable financial-records law in India. Once that period expires, data is deleted or anonymised. You may request early deletion of non-mandatory data by contacting our policy team in writing.

Your Right to Access

You are entitled to request a full export of the personal data we hold on your account. Requests are processed within thirty days. The export covers registration data, transaction history linked to UPI, Paytm or PhonePe, and session records from the past twelve months.

Requesting Corrections

If any detail on your account is inaccurate — name spelling, contact number, linked payment handle — contact support with proof of the correct information. We will update the record within five business days and confirm the change via your registered email address.

Frequently Asked Legal and Policy Questions

The questions below address the terms, data rights and account-policy matters that come up most often. If your question is not covered here, reach out through the contact paths listed above and our policy team will respond with a specific answer.

Your account is governed by the laws of the jurisdiction where you access the platform, where local law permits. Indian consumer-protection statutes take precedence over any conflicting clause in our terms of service, and we apply those statutory rights automatically.

Send a data-access request through the Help section of your account or via email. Include your registered name and account ID. We process requests within thirty days and deliver the export to your registered email address in a readable format.

You can request deletion of non-mandatory personal data at any time. Mandatory transaction records linked to UPI, Paytm or PhonePe payments must be retained for the period required by Indian financial-records law before they can be removed or anonymised.

Any material change to our terms is communicated to your registered email address at least fourteen days before it takes effect. The updated document is also posted in the Legal section of the site, with the revision date clearly marked at the top.

On account closure, we retain transaction records for the legally required period and then delete or anonymise them. Non-mandatory preference and session data is removed within thirty days of closure. You may request confirmation of deletion in writing.

Submit a formal dispute through the Help section, including the transaction reference, date and payment method — UPI, Paytm or PhonePe. Our compliance team retrieves the corresponding record and responds with a finding within five business days of receiving your submission.

Full card numbers are never stored on our servers. UPI handles, Paytm wallet references and PhonePe identifiers are stored in tokenised form, linked to your account solely for reconciliation purposes and not shared with third parties for marketing.

Terms and Policy Governing Your 9ql Account

How to Reach Us on Legal and Policy Matters

Data Handling, Cookies, Security and Account Retention

Data Collection Scope

Cookie Usage

Account Security Practices

Data Retention Period

Your Right to Access

Requesting Corrections

Frequently Asked Legal and Policy Questions

01 Which laws govern my account with 9ql?

02 How do I request a copy of my personal data?

03 Can I ask 9ql to delete my data?

04 How will I know if the terms change?

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

06 How does 9ql handle a disputed transaction?

07 Are my payment details stored on the platform?

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