Reference

How w3c Handles Your Personal Data

At w3c, we collect only what we need to run your account, process your transactions via UPI, Paytm or PhonePe, and keep your experience secure.

Data collected only as neededUPI, Paytm, PhonePe transaction privacyYour right to access and deleteIndia-jurisdiction complianceEncrypted account storage
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w3c How w3c Handles Your Personal Data
REACH OUR PRIVACY TEAM

How to Contact Us About Your Data

If you have a question about this policy, want to request a copy of your data, or need to ask us to delete records tied to…

Email Privacy Request Send a written request to our dedicated privacy address.
Live Chat Support Start a live chat session directly from your account dashboard.
In-Account Request Form Log in to your w3c account, navigate to Settings, and submit a data request…
DATA HANDLING PRACTICES

How We Protect and Manage Your Account Data

Every data-handling practice at w3c is designed to give you meaningful control while keeping your account secure.

Encrypted Data Storage

All personal records — including your name, email, and payment references from UPI or Paytm — are stored using AES-256 encryption at rest. Only authorised personnel with a documented need can access them, and access is logged.

Cookie Controls

We use session cookies to keep you logged in and analytics cookies to understand how pages are used. You can review and withdraw cookie consent at any time from the Cookie Preferences panel in your account settings without affecting your ability to log in.

Account Security Practices

Two-step verification is available for all accounts. We also monitor login attempts for unusual patterns — such as access from a new device or location — and notify you by email so you can confirm or flag the attempt immediately.

Data Retention Schedule

We keep active account data for as long as your account is open. Once you request deletion, personal records are removed within 30 days except where local law requires us to retain transaction logs for a defined audit period.

Your Rights Over Your Data

Depending on your jurisdiction under Indian law, you may have the right to access, correct, port or request deletion of your personal data. Submit a request through our in-account form and we will confirm receipt and next steps within one business day.

Third-Party Data Sharing

We share data only with payment processors (such as the UPI and PhonePe networks), identity verification partners and fraud-detection services that are contractually bound to use your data solely for the stated purpose and not retain it beyond that use.

Common Questions About Your Data and This Policy

The questions below cover the data rights and privacy practices we get asked about most often. If your question is not answered here, use the in-account form or live chat to reach our privacy team directly.

We collect your name, email address, date of birth, and contact number at registration. When you make a deposit via UPI, Paytm or PhonePe, we store a tokenised payment reference — never your full credentials or wallet PIN.

Personal profile data is deleted within 30 days of a confirmed closure request. Transaction records may be retained for a longer period where Indian financial regulations require audit trails, after which they are permanently removed from our systems.

Yes. Log in, go to Settings, and submit a data access request from the Privacy section. We will compile your records and deliver them to your registered email address within 10 business days of receiving the request.

We share data only with payment processors like UPI network partners and PhonePe, identity verification providers, and fraud-detection services. Each partner is contractually restricted to processing your data only for the specific purpose we engaged them for.

Submit a deletion request through the Privacy section in your account settings, or email our privacy team directly. We will confirm receipt within 24 hours and complete the deletion within 30 days, subject to any mandatory retention periods under local law.

We use session cookies for login continuity, preference cookies to remember your settings, and analytics cookies to understand page usage. You can review, adjust or withdraw consent for non-essential cookies at any time via the Cookie Preferences panel in Settings.

Yes. Any material change to this policy will be emailed to your registered address at least 14 days before the new version takes effect. Continuing to use your account after that date means you accept the updated terms.

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