Reference

Terms and Conditions That Govern Your Account

These terms set out the rules that apply when you open and use your matkasm account, including how deposits via UPI, Paytm and PhonePe are processed, what we…

Covers account access rulesApplies to all deposit methods including UPIJurisdiction-dependent eligibilityUpdated terms notified by emailGoverns wallet and withdrawal rights

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What These Terms Cover and Where They Apply

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

By creating an account on matkasm, you agree to be bound by these terms in full. They apply to every action you take on the platform — from your first UPI deposit to withdrawing funds via PhonePe or Paytm. We may update these terms from time

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to time; when we do, we will notify you by email and post the revised version on this page with an updated effective date. Continued use of your account after that date means you accept the changes. If you do not agree, you must stop using
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the account and contact our support team to request closure. These terms are governed by the laws of the jurisdiction in which matkasm operates, and access is available only where local law permits.

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

TERMS CONTACT PATHS

Reach Us About These Terms

If any clause in these terms is unclear or you believe there has been an error in applying them to your account, our support team is available around the clock.

Live Chat Start a live chat session from any page in your account. Our agents are available at all hours and can pull up your account history directly, making terms disputes faster to resolve.

Email Support Send a detailed query to our support address and we will respond with a written explanation of how a specific clause applies to your account, usually within one business day.

Help Centre Browse the in-account help centre for clause-by-clause explanations of common terms questions, from how withdrawal verification works to account suspension procedures.

HOW WE HANDLE YOUR DATA

Account Security, Data Retention and Your Rights

We take the security and privacy of your account data seriously. Below is a concrete breakdown of how we manage your information under these terms — from how long we retain transaction…

Data Retention Policy

We retain account transaction records, including UPI, Paytm and PhonePe deposit logs, for a minimum period required by applicable law. After that period, data is anonymised unless you have an active dispute open.

Cookie Usage

Our platform uses session cookies to keep you logged in and functional cookies to remember your lobby preferences. No third-party advertising cookies are placed without your consent via the cookie settings panel in your account.

Account Security Practices

Every account login is protected by password hashing and optional two-factor authentication. If we detect an unusual login pattern, we will send an alert to your registered email and may temporarily hold withdrawal requests pending your confirmation.

Requesting Account Changes

To update your registered email, mobile number or KYC documents, submit a request through live chat or email. Changes typically process within 24 hours once supporting documents are verified by our compliance team.

Right to Access Your Data

Under these terms, you can request a full export of your account data at any time. Send a written request to our support email and we will deliver a structured data file within seven business days.

Account Closure and Data Removal

If you choose to close your account, contact our team directly. We will process the closure within two business days, settle any outstanding wallet balance to your Paytm or PhonePe account and confirm deletion of personal identifiers.

Common Questions About These Terms

These answers address the most frequent points raised by account holders about how our terms apply to deposits, withdrawals, data and account status. If your question is not covered here, use the live chat or email contact paths listed above.

They take effect the moment you complete account registration and make your first deposit via UPI, Paytm or PhonePe. By completing that first transaction, you confirm that you have read and agreed to everything in this document.

We send an email to your registered address whenever we make a material change. The updated version also appears on this page with a new effective date, so you can compare the current and previous wording at any time.

Yes. Raise a formal dispute through our live chat or email support within 30 days of the decision. We will review the relevant account logs and respond in writing with our reasoning, referencing the specific clause that applies.

A suspension does not automatically forfeit your balance. We will notify you of the reason and the review period. If the suspension is lifted, your full wallet remains accessible. If the account is closed, we settle any verified balance to your linked PhonePe or Paytm account.

Transaction records — including every UPI transfer in and every withdrawal processed — are kept for the minimum period required under applicable Indian financial regulations. You can request a copy of your own records at any time through our support email.

Access depends on local law and is available where local law permits. You are responsible for verifying that opening and using an account is lawful in your location before you proceed. These terms do not override local legal requirements.

Submit a written deletion request to our support email with your registered mobile number or email address for verification. We will process the request within seven business days and confirm by email once personal identifiers have been removed from active systems.

Terms and Conditions That Govern Your Account

Reach Us About These Terms

Account Security, Data Retention and Your Rights

Data Retention Policy

Cookie Usage

Account Security Practices

Requesting Account Changes

Right to Access Your Data

Account Closure and Data Removal

Common Questions About These Terms

01 When do these terms take effect on my account?

02 How will I know if the terms have been updated?

03 Can I dispute a decision made under these terms?

04 What happens to my wallet balance if my account is suspended?

05 How long do you keep my deposit and withdrawal history?

06 Are there any restrictions on who can open an account under these terms?

07 How do I request deletion of my personal data?

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