Reference

Terms and Conditions That Govern Your Account

These terms set out the rules binding your use of smrmatka, including how your account is opened, how deposits and withdrawals are processed, and what conduct is expected…

Applies to all account holdersCovers UPI, Paytm, PhonePe transactionsJurisdiction: where local law permitsUpdated terms notified by emailEnglish-language version is binding

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What These Terms Cover and Where They Apply

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

These terms apply to every interaction you have with smrmatka — from account registration and fund deposits through UPI, Paytm or PhonePe, to placing wagers, requesting withdrawals, and contacting support. Access to our platform depends on local law, and these terms are enforceable only where local

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law permits such activity. If a court finds any clause unenforceable in your jurisdiction, the remaining clauses continue in full force. We reserve the right to amend these terms at any time; we will notify you by email at the address on your account at least
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seven days before a material change takes effect. Continued use of your account after the notice period means you accept the revised terms.

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

REACH OUR POLICY TEAM

How to Contact Us About These Terms

If any clause is unclear or you believe a term has been applied incorrectly to your account, our support team is available around the clock. You can reach us through live chat inside your account dashboard, by email, or by raising a formal query through our ticketing system — all three routes are logged and carry an acknowledgement within two hours.

Team online

Live Chat

Open the chat icon inside your account dashboard. A member of our team will respond within minutes and can escalate terms-related queries directly to the compliance team.

Email Support

Write to our support address for a formal written record of your terms enquiry. We aim to send a substantive reply within 24 hours, not a template acknowledgement.

Ticket System

Raise a numbered ticket through the Help section of your account. Tickets create an audit trail useful for formal disputes and are reviewed by a senior agent.

HOW WE HANDLE YOUR DATA

Account Security, Data and Your Rights Under These Terms

Our obligations to you go beyond the transaction layer. We hold account data securely, process it only for the purposes described in these terms and our privacy notice, and give you clear…

Data Retention

We keep account and transaction records for as long as required by applicable law in your jurisdiction. Once that period passes and your account is closed, personal data is deleted from active systems within 30 days.

Cookie Use

Our platform uses session cookies to keep you logged in and preference cookies to remember your chosen language and payment method. You can manage cookie preferences in your browser settings at any time.

Account Security

Your account is protected by password authentication and, when you enable it, two-factor verification. We do not store card or UPI credentials in plain text; all payment tokens are handled by the payment processor.

Requesting Changes

To correct or update personal data held on your account, submit a request via the ticket system or email. We will action verified correction requests within five business days.

Who to Contact

For data-specific queries under these terms, address your message to our Data Queries team using the subject line 'Account Data Request'. This routes your message directly, cutting response time.

Policy Updates

When we update these terms, the revised version is posted at this URL and the date stamp is changed at the top of the document. Your email notification arrives no later than seven days before the change takes effect.

Frequently Asked Questions About Our Terms

The answers below address the clauses account holders ask about most. If your question is not covered here, use the live chat or ticket system to get a written answer that references the relevant clause directly.

Yes, provided access is permitted under the laws of your specific state or territory in India. These terms apply to any account opened from a region where local law allows such activity, and it is your responsibility to confirm this before opening an account.

We can update these terms at any time, but we are required to give you at least seven days' notice by email before a material change takes effect. Using your account after that period counts as acceptance of the updated terms.

If your account is suspended for a terms breach, the balance is held in your wallet pending review. Where the suspension is lifted, the balance is restored. Where it is not, funds are handled according to the applicable legal process in your jurisdiction.

All three payment methods are governed by the same clauses within these terms. The deposit, withdrawal and reversal rules apply equally regardless of which local payment rail you use to fund your account.

Submit a data access request via the ticket system or by email using the subject line 'Account Data Request'. We will verify your identity and send the data summary within five business days where local law grants this right.

The terms prohibit using another person's payment credentials, attempting to manipulate game outcomes, creating multiple accounts, and any activity that breaches local law. Breaches may result in account suspension, funds review, or permanent closure.

The English-language version of these terms is the binding version in all cases. Any translation provided for convenience does not override the English text, and the English version prevails in any dispute or interpretation question.

Terms and Conditions That Govern Your Account

How to Contact Us About These Terms

Live Chat

Email Support

Ticket System

Account Security, Data and Your Rights Under These Terms

Data Retention

Cookie Use

Account Security

Requesting Changes

Who to Contact

Policy Updates

Frequently Asked Questions About Our Terms

01 Do these terms apply to me if I access smrmatka from India?

02 Can smrmatka change these terms without my agreement?

03 What happens to my funds if my account is suspended under these terms?

04 Are UPI, Paytm and PhonePe deposits covered by the same terms?

05 How do I request a copy of the personal data smrmatka holds about me?

06 What conduct do these terms prohibit on my account?

07 Which version of these terms is legally binding if there is a translation discrepancy?

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