Reference

Your Rights and Our Legal Commitments

At 9yh, our legal framework sets out exactly what we collect, how we use it, and what you can ask us to change or remove.

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9yh Your Rights and Our Legal Commitments
LEGAL CONTACT PATHS

Reach Our Legal and Compliance Team

If you have a question about our terms, a data request, or a dispute regarding your account, these are the direct channels to reach the right team. We aim to respond to legal queries within seven working days.

Team online

Legal Email

Send your data access request, account dispute, or terms query to our dedicated legal address. We acknowledge every email within two business days and resolve most requests within seven.

Live Chat Support

Our support agents are available around the clock via live chat for account-level questions. For formal legal matters, they will escalate your case directly to the compliance team on your behalf.

Postal Address

For formal legal correspondence, including notices and statutory requests, you may write to our registered address. Include your account email so we can locate your record without delay.

ACCOUNT SECURITY PRACTICES

Data Handling, Cookies, and Account Protections

We take a layered approach to account security and data governance, covering everything from how cookies are set in your browser to how long we retain financial records tied to UPI or…

Cookie Management

We use functional and analytics cookies to keep your session active and measure site performance. You can adjust or withdraw cookie consent at any time from the settings panel in your account dashboard.

Data Encryption

All account data — including payment details tied to Paytm or UPI — is encrypted in transit and at rest. No raw payment credentials are stored on our servers after a transaction is confirmed.

Retention Schedule

We keep transaction records for the period required by applicable financial law in your jurisdiction. Once that period lapses and your account is closed, records are anonymised in line with our retention policy.

Access Requests

You have the right to ask what personal data we hold, request corrections, or ask for it to be removed where law permits. Submit your request via the legal email channel and we will respond within seven working days.

Account Security Alerts

Suspicious login attempts trigger an automatic alert to your registered mobile number or email. You can also enable two-step verification from the account security section to add a second layer of protection.

Dispute Resolution

If you believe a transaction processed via PhonePe or another rail was handled incorrectly, raise a dispute through the support chat. Our payments team reviews each case against the original transaction log within 48 hours.

Common Legal and Policy Questions

These answers cover the legal questions we hear most from account holders in India — from data rights to cookie settings to how disputes get resolved.

We collect your name, contact details, and the information needed to verify your identity. Payment data — such as a UPI handle — is captured only to process your transaction and is not stored in recoverable form after the deposit clears.

Yes. Email our legal team with your account email address and the subject line 'Data Access Request'. We will acknowledge within two business days and deliver a full data summary within seven working days.

Financial records tied to UPI, Paytm, or PhonePe transactions are retained for the period required by applicable law in your jurisdiction. After that period and following account closure, records are anonymised rather than deleted where law requires retention.

Open the settings panel inside your account dashboard and navigate to the Privacy section. You can toggle analytics and marketing cookies off at any time. Functional cookies needed to keep your session active cannot be disabled while you are logged in.

When you request account closure, we anonymise your personal details and remove identifiers that are not required by law. Transaction records subject to financial regulation are retained in anonymised form for the legally mandated period only.

Raise a dispute through the live chat support channel and our payments team will pull the original transaction log from the relevant rail — UPI, Paytm, or PhonePe. Most disputes are reviewed and responded to within 48 hours of submission.

Access to certain features depends on local law and is available only where local law in your state or region permits. If a feature is unavailable in your area, you will see a notification in the account dashboard explaining the restriction.

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