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Your Rights and Our Legal Commitments

smrmatka operates with clear terms that define how your account, your data and your activity on this platform are handled — access depends on local law and is…

Terms of UsePrivacy PolicyData Retention RulesAccount RightsContact Paths

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How Our Terms Apply to Your Account

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

When you open an account with us, you enter into a binding agreement governed by the terms published on this page. These terms cover account eligibility, acceptable use, financial transactions processed through UPI, Paytm and PhonePe, and the conditions under which accounts may be suspended or

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closed. Eligibility to access this platform depends on local law in your region — if local law does not permit access, these terms do not extend to you. We update our terms periodically; the version published here at the time you log in is the one
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that applies. If a term changes materially, we send a notice to your registered email before the change takes effect. Continuing to use your account after that date means you accept the revised terms.

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

LEGAL CONTACT PATHS

Reach Us for Policy or Account Questions

If you have a question about how a specific term applies to your account, or you want to request a change to your data, our support team handles those requests directly. We aim to respond to legal and data enquiries within 48 hours on business days. You can use any of the three contact paths below — choose whichever suits how you want to communicate.

Team online

Email Support

Send your legal query or data request to our dedicated policy address. Include your registered account email and the specific clause or data category you are asking about so we can respond precisely.

Live Chat

Our live chat is open around the clock. Start a session from the account dashboard, mention you have a legal or privacy matter, and an agent will route your case to the right team within minutes.

Formal Written Request

For data erasure, data portability or a formal account closure, submit a written request through the account settings panel. We acknowledge receipt within one business day and complete the action within 30 days.

ACCOUNT SECURITY PRACTICES

How We Protect Data and Manage Your Account

Security and transparency sit at the centre of how we run accounts on this platform.

Data Encryption

All data transmitted between your device and our servers uses TLS 1.2 or higher. Stored account data — including payment method references for UPI and Paytm — is encrypted at rest using AES-256 so raw details are never exposed in our database.

Cookie Controls

We use strictly necessary cookies to keep your session active, and analytics cookies to understand how pages are used. You can withdraw consent for non-essential cookies at any time through the cookie preference panel in your account settings.

Data Retention Period

Transaction records are held for seven years to meet financial reporting obligations. Account profile data is deleted within 90 days of a confirmed account closure request, unless a legal hold requires us to retain it longer.

Who Can Access Your Data

Only authorised smrmatka staff with a documented operational need can access your personal data. We do not sell your data to third parties. Payment processors like PhonePe receive only the transaction reference required to complete a transfer.

Requesting Data Changes

You can request a copy of your personal data, ask us to correct inaccurate records, or request erasure by contacting support through live chat or email. We verify your identity before acting on any such request to protect your account.

Account Security Steps

Two-factor authentication is available on all accounts and we strongly encourage you to enable it. Unusual login attempts trigger an automatic alert to your registered email or phone number, and suspicious sessions are flagged for review by our security team.

Common Questions About Our Legal Terms

The questions below cover the scenarios we hear about most — from what data we collect to how you close your account and what happens to your transaction history. If your question is not listed, our support team is reachable around the clock through live chat.

We collect your name, email address, mobile number, date of birth and the payment method details needed to process transactions via UPI, Paytm or PhonePe. We do not store full card numbers or UPI PINs — only the references your payment provider shares with us.

Yes. Submit a data access request through live chat or email with your registered account details. We verify your identity first, then send a structured export of your profile and transaction data within 30 days of the verified request.

Go to account settings and select the closure option, or contact support directly. After closure is confirmed, your profile data is deleted within 90 days. Transaction records required for financial reporting are retained for seven years as mandated by applicable law.

We share data only with the payment processors needed to complete your transactions — for example PhonePe or Paytm receive a transaction reference. We do not sell your data, and no third-party marketing platform receives your personal details without your explicit consent.

Our terms are governed by applicable law in the jurisdiction where the platform is licensed to operate. Access and eligibility depend on local law in your region. If you have a dispute, contact our support team first — most issues are resolved without formal escalation.

We send an email notice to your registered address before any material change takes effect, explaining what has changed and when the new version applies. The current version is always the one published on this page at the time you log in.

Open the cookie preference panel inside your account settings at any time. You can switch off analytics and preference cookies individually. Strictly necessary cookies cannot be disabled as they keep your session and account security functions running correctly.

Your Rights and Our Legal Commitments

Reach Us for Policy or Account Questions

Email Support

Live Chat

Formal Written Request

How We Protect Data and Manage Your Account

Data Encryption

Cookie Controls

Data Retention Period

Who Can Access Your Data

Requesting Data Changes

Account Security Steps

Common Questions About Our Legal Terms

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

02 Can I request a full copy of the data held on my account?

03 How do I close my account and what happens to my data afterwards?

04 Does smrmatka share my data with third parties?

05 What law governs these terms and where can disputes be raised?

06 How will I know if the terms change?

07 How do I opt out of non-essential cookies on smrmatka?

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