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How l298n Handles Your Personal Data

At l298n, we take seriously how your personal data is collected, stored, and used when you open an account or use our platform.

Data collected only for account operationNo third-party sale of personal dataAccount data deletion on requestUPI, Paytm, PhonePe transaction privacyEncrypted storage at rest

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What Data We Collect and Why

l298n Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

When you open an account on l298n, we collect your name, contact details, and payment identifiers — such as the UPI handle, Paytm mobile number, or PhonePe account linked to your deposits and withdrawals. We use this data solely to verify your identity, process transactions, and

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keep your account secure. We do not sell your data to marketing agencies or unrelated third parties. Access to your data is limited to staff who need it to operate the platform. Whether this service is available in your region depends on local law; use it
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only where local law permits. We retain account data for as long as your account is active and for the minimum period required by applicable regulations after closure.

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

REACH OUR PRIVACY TEAM

How to Contact Us About Your Data

If you want to access, correct, or delete the personal data we hold on your account, our privacy team is ready to assist. Send us a message through any of the channels below and we aim to respond within 72 hours. Please include your registered account email so we can locate your records without delay.

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Email Privacy Request

Send a written request to our dedicated privacy address. Include your account email and the specific action you want — access, correction, or deletion — and we will confirm receipt within 24 hours.

Live Chat Support

Open the live chat widget on l298n and select the Privacy category. Our agents can log a formal data request on your behalf and give you a reference number to track the outcome.

Account Settings Panel

Log in, head to Account Settings, and find the Data and Privacy section. From there you can download a copy of your stored profile data or submit a deletion request without contacting support directly.

DATA HANDLING PRACTICES

Six Ways We Protect and Manage Your Data

Privacy is not a checkbox for us — it shapes how we build account flows, payment integrations, and support processes.

Encrypted Storage

All account and payment data — including your UPI handle and linked mobile numbers — is encrypted at rest using AES-256. Backups follow the same standard. No plaintext personal records are stored on any server we operate.

Cookie Controls

We use session cookies to keep you logged in and analytics cookies to understand how pages are used. You can manage or refuse non-essential cookies through the cookie banner or your browser settings at any time without affecting core account functions.

Payment Data Isolation

Your Paytm or PhonePe transaction identifiers are stored in an isolated payment ledger that is not accessible to marketing or product teams. Only the finance and compliance functions can query it, and only for the purpose of resolving disputes.

Account Security Alerts

When a login occurs from a new device or location, we send an alert to your registered contact. If you did not initiate the login, you can lock your account immediately from the alert link without needing to call support.

Data Retention Schedule

Active account data is kept while your account is open. After account closure, we retain the minimum data required by applicable rules and delete everything else within 90 days. You can request early deletion where regulations allow.

Change and Access Requests

You have the right to request a copy of all data we hold, correct inaccurate records, or ask for deletion. Submit requests via live chat, email, or the Account Settings panel; we confirm outcomes within 10 business days.

Common Questions About This Privacy Policy

The questions below cover the data and privacy topics we hear most from account holders in India. If your question is not addressed here, reach out via live chat or email and our privacy team will respond within 72 hours.

We collect your name, email address, phone number, and date of birth for account creation. When you make a deposit, the UPI handle, Paytm mobile number, or PhonePe ID you use is also stored to match transactions to your account.

We share data only with payment processors like UPI networks and banking partners who need it to complete your transactions. We do not sell personal data to advertisers or data brokers. All third parties we work with are contractually bound to our data standards.

Log in, go to Account Settings, and select Data and Privacy. You can submit a data access request there. Alternatively, message us via live chat with your registered email and we will prepare a downloadable summary within 10 business days.

Yes. You can submit a deletion request through Account Settings or by contacting the privacy team via email or live chat. We delete records within 90 days of account closure, subject to any minimum retention period required by applicable regulations.

Transaction records linked to your UPI, Paytm, or PhonePe payments are retained for the minimum period required under applicable financial regulations. After that period, transaction-level details are deleted unless your account remains active and you need them.

We use essential cookies for login sessions and optional analytics cookies to understand page performance. You can accept or decline non-essential cookies via the cookie banner on your first visit, or update your preferences in your browser settings at any time.

Yes. All connections to l298n use TLS encryption regardless of device. If we detect a login from an unfamiliar device or location, we send an immediate alert to your registered contact so you can verify or lock your account straight away.

How l298n Handles Your Personal Data

How to Contact Us About Your Data

Email Privacy Request

Live Chat Support

Account Settings Panel

Six Ways We Protect and Manage Your Data

Encrypted Storage

Cookie Controls

Payment Data Isolation

Account Security Alerts

Data Retention Schedule

Change and Access Requests

Common Questions About This Privacy Policy

01 What personal data does l298n collect when I open an account?

02 Does l298n share my data with third parties?

03 How can I download a copy of all the data you hold on me?

04 Can I request that l298n delete my personal data?

05 How long does l298n keep my transaction history?

06 What cookies does l298n use and how do I manage them?

07 Is my data secure if I log in from a mobile device in India?

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