Reference

Our Legal Framework for Account Holders

matkaraja operates under a defined legal structure that governs how your account is created, how your data is handled, and what rights you hold under applicable law in…

Jurisdiction-Dependent AccessAccount Holder RightsData Protection PolicyCookie Consent FrameworkDispute Resolution Terms

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Terms That Govern Your Account

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

Your use of matkaraja constitutes acceptance of these terms in full. We maintain a clear separation between account registration, payment processing, and data retention obligations. Transactions processed via UPI, Paytm, and PhonePe are subject to the payment provider's own terms alongside ours. Where Indian law imposes

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specific obligations on platform operators — including data localisation, grievance redressal, and transaction records — we align our internal policies accordingly. These terms are updated periodically; the version displayed on this page is current and supersedes all prior versions. We encourage you to revisit this section
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whenever you notice a change notification in your account dashboard.

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

LEGAL CONTACT PATHS

How to Reach Our Legal and Policy Team

If you have questions about these terms, your data, or your account rights, our dedicated policy support team is accessible through the channels below.

Email — Legal Queries Send your data access, account rights, or policy dispute queries to our legal team via the registered email address in your account settings. We log every submission and respond within the statutory period under applicable Indian law.

In-App Grievance Form Our in-app grievance form is the fastest way to raise a formal policy concern. Fill in your account ID, the nature of the query, and the relevant section of these terms — we triage submissions by urgency and category automatically.

Grievance Officer Under the Information Technology (Intermediary Guidelines) Rules, a named Grievance Officer handles escalated legal matters. Their contact details are listed within the account portal under the Legal section for direct correspondence.

ACCOUNT SECURITY STANDARDS

How We Protect and Manage Your Account Data

Our security and data practices are built around the principle that your account information belongs to you.

Data Handling

Personal data you submit during registration — name, phone number, UPI handle — is stored on servers subject to Indian…

Cookie Policy

We use session cookies to keep you logged in, preference cookies to remember your language and layout settings, and analytics…

Account Security

Every account login is protected by two-factor authentication via OTP sent to your registered mobile number.

Data Retention

We retain transaction records for the period mandated by Indian financial regulations — typically seven years for payment records.

Who to Contact for Data Requests

To request a copy of your personal data, ask for a correction, or submit a deletion request, log in and…

Requesting Changes to Your Record

You may update your registered email, phone number, or linked UPI handle through the account settings panel after completing identity…

Your Legal Rights and Policy Questions Answered

The questions below address the legal and data-related topics our account holders raise most often. If your question is not covered here, use the in-app grievance form or contact the Grievance Officer directly.

These terms apply to every person who creates an account on matkaraja and accesses the platform from a location where local law permits such access. By completing registration, you confirm that you have read and accepted these terms in their current form.

Yes. Log in, go to Account Settings → Privacy → Data Request, and submit a subject access request. We process these within the statutory period under applicable Indian law and deliver your data in a structured, portable format to your registered email address.

Submit a deletion request through the privacy settings panel or write to the Grievance Officer. We delete profile data within 30 days of verification, but transaction records required by Indian financial regulations are retained for the mandated period regardless.

Payment records, including UPI reference numbers, Paytm transaction IDs, and PhonePe settlement logs, are retained for the period prescribed by Indian financial and tax regulations. These records are not shared with third parties outside of legal obligations.

Raise a formal grievance through the in-app form, stating the account action you are contesting and the relevant term. Our Grievance Officer reviews submissions and provides a written response. Unresolved disputes are subject to arbitration under Indian law.

We use session, preference, and analytics cookies. You can review and withdraw consent for non-essential cookies at any time via the cookie settings panel accessible from the footer. Withdrawing analytics consent does not affect your ability to log in or use the platform.

We update these terms when legal obligations or platform policies change. A notification appears in your account dashboard and, for material changes, we send an alert to your registered phone number or email at least seven days before the new terms take effect.

Our Legal Framework for Account Holders

How to Reach Our Legal and Policy Team

How We Protect and Manage Your Account Data

Data Handling

Cookie Policy

Account Security

Data Retention

Who to Contact for Data Requests

Requesting Changes to Your Record

Your Legal Rights and Policy Questions Answered

01 Who do these legal terms apply to?

02 Can I request a copy of the personal data matkaraja holds about me?

03 How do I ask for my account data to be deleted?

04 What happens to my UPI and Paytm transaction records?

05 How are disputes about account decisions handled?

06 Does matkaraja use cookies, and can I opt out?

07 When do these terms change, and how will I know?

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