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How 1lakh Handles Your Personal Data

This privacy policy sets out exactly what data 1lakh collects when you open an account, deposit via UPI, Paytm or PhonePe, and use our lobby — and how…

Account Data ProtectionUPI & Paytm Transaction PrivacyCookie ControlsData Retention PolicyYour Right to Access & Delete

Explore the Lobby Read FAQ

What This Policy Covers on 1lakh

1lakh Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

1lakh collects the data you provide at registration — name, email address, mobile number — and the transactional data generated when you move funds through UPI, Paytm or PhonePe. We also collect device identifiers and session logs automatically to keep your account secure and functioning correctly.

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This policy applies wherever access to 1lakh.co is permitted under local Indian law; if local law in your state or territory restricts or prohibits access, this policy applies to the extent it is relevant to you. We do not sell your personal data to third parties.
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Data shared with payment processors like UPI networks, Paytm or PhonePe is limited to what those processors need to complete your transaction and is governed by their own privacy terms in addition to ours.

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

PRIVACY CONTACT PATHS

Reach Us About Your Privacy

If you want to access, correct or delete the data we hold on your account, or if you have a question about how your UPI or…

HOW WE PROTECT DATA

Data Handling, Cookies and Account Security

We apply layered security measures across every part of your account — from the moment you register to every session you open on desktop or mobile.

Encryption at Rest and in Transit

All personal data stored on our servers is encrypted. Data moving between your device and 1lakh.

Cookie Use and Control

We use session cookies to keep you logged in and analytics cookies to understand how pages are used.

Payment Data Handling

When you pay via Paytm, PhonePe or UPI, we store only the transaction reference and amount — not your UPI…

Data Retention Period

We keep your account data for as long as your account is active and for the period required under applicable…

Who Can Access Your Data

Access to your personal data inside 1lakh is restricted to staff who need it to operate your account or investigate…

Requesting Changes or Deletion

You can request a correction to any inaccurate data we hold, or ask us to delete your account data entirely.

Your Privacy Questions, Answered

Below are the questions our account holders ask most often about how their data is handled on 1lakh. If your question is not covered here, use the live chat or email channel listed in the section above to reach our privacy team directly.

We collect your name, email address, mobile number and, where required, identity verification documents. We also log the device and IP address used at registration to protect your account from unauthorised access.

We store the transaction reference, date, time and amount for each deposit or withdrawal. Your UPI PIN and bank login credentials are never passed to us — those stay with your bank and the payment processor.

Yes. Log in, go to Settings, then Privacy and Data, and select Download My Data. We will prepare a file with all personal data we hold and make it available to you within seven working days of your request.

Submit a deletion request through the in-account privacy panel or email our privacy team with your registered mobile number. We will close the account and delete personal data once any legally required retention period has passed.

We do not sell or rent your personal data to any third party for marketing. Data is shared only with payment processors like Paytm or PhonePe to complete transactions, and with service providers who help us operate the platform under strict data-processing agreements.

Session cookies keep you logged in during a visit. Analytics cookies help us understand page performance. You can turn off non-essential cookies at any time through the cookie preference panel without affecting your ability to access your account.

Contact our privacy team via email or live chat with your account details and a description of your concern. We will investigate and respond within seven working days. You also have the right to raise a complaint with the relevant authority under applicable Indian data protection law.

How 1lakh Handles Your Personal Data

Reach Us About Your Privacy

Data Handling, Cookies and Account Security

Encryption at Rest and in Transit

Cookie Use and Control

Payment Data Handling

Data Retention Period

Who Can Access Your Data

Requesting Changes or Deletion

Your Privacy Questions, Answered

01 What personal data does 1lakh collect when I open an account?

02 Is my UPI or Paytm transaction data stored by 1lakh?

03 Can I request a copy of all the data 1lakh holds on me?

04 How do I ask 1lakh to delete my account and personal data?

05 Does 1lakh share my data with third parties for marketing?

06 How does 1lakh use cookies and can I turn them off?

07 Who do I contact if I think my data has been mishandled?

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