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Your Rights and Our Legal Commitments

kamalday operates under a defined legal framework that governs how your account data is stored, how disputes are handled, and what terms apply when you access the platform…

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How Our Terms Apply to Your Account

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

Access to kamalday is subject to the laws of your jurisdiction. Where local law permits participation, your account is governed by the terms accepted at registration, covering data retention, transaction records and account security. All financial transactions — whether you deposit via UPI, Paytm or PhonePe

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— are logged and retained in accordance with applicable data protection requirements. We do not share personally identifiable transaction data with third parties except where required by law or as expressly authorised by you. Amendments to these terms are communicated via account notification at least fourteen
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days before they take effect, giving you time to review changes and decide whether to continue. By continuing to use the platform after that notice period, you accept the revised terms.

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

LEGAL CONTACT PATHS

Reach Our Policy and Legal Team

If you have a question about our terms, want to raise a dispute, or need to exercise a data right, our dedicated policy support team is reachable through three channels.

Email Support Send your legal query or data request to our policy inbox. We confirm receipt within 24 hours and aim to resolve substantive legal questions within 72 business hours of acknowledgement.

Live Chat Our chat agents can log a formal policy complaint or escalate your query to the legal team directly. Available daily from 09:00 to 23:00 IST for immediate triage and case reference numbers.

Postal Address For formal written notices, data subject access requests, or disputes requiring documented correspondence, send your letter to the registered address shown at the foot of the kamalday legal page.

ACCOUNT AND DATA STANDARDS

How We Handle Your Data and Account Security

Our approach to data, cookies and account security follows a set of defined practices. Each item below explains a specific commitment kamalday makes to every account holder — concrete steps you can…

Data Storage

Account information is stored on encrypted servers with access restricted to authorised personnel only. Retention periods align with applicable Indian data protection requirements, and we do not hold data longer than necessary.

Cookie Use

We use functional cookies to keep your session active and analytical cookies to understand how the platform performs. You can manage cookie preferences at any time through the settings panel in your account.

Account Security

Two-factor authentication is available on all accounts. Login attempts are monitored, and unusual access patterns trigger an automatic security alert sent to your registered email address or mobile number.

Retention Schedule

Transaction logs, including UPI and PhonePe payment records, are retained for the period required by applicable law. After that period, data is securely deleted unless you have an active dispute or legal hold on file.

Your Data Rights

You have the right to request a copy of the personal data we hold, ask for corrections, or request deletion where permitted. Submit a written request via the policy email or postal address and we will respond within the statutory window.

Dispute Escalation

If an internal resolution does not satisfy your concern, you may escalate to the relevant regulatory body in your jurisdiction. We provide the escalation contact in writing when closing any unresolved internal dispute.

Common Legal and Policy Questions

These questions cover the legal topics our account holders ask about most frequently — from data rights to dispute timelines and how policy changes are communicated to you.

We collect the information you provide at registration — name, contact details and payment identifiers such as your UPI handle or Paytm number — plus session and transaction logs generated by your activity on the platform.

Yes. Submit a data subject access request by email or post using the contact details on this page. We will compile and deliver your data within the period required by applicable law, typically within 30 days of a valid request.

Contact our policy team by email with the specific correction or deletion you are requesting. We will verify your identity, assess the request against our legal retention obligations, and confirm the outcome in writing.

We send an account notification at least 14 days before any material change to our terms or privacy policy. You can review the change and close your account before it takes effect if you do not wish to accept the revised conditions.

We do not sell or share your transaction data for marketing purposes. Data is disclosed only where required by law, to payment processors needed to complete your transaction, or with your explicit written consent.

After account closure, we retain transaction and identity records for the period required by applicable Indian financial and data regulations. Once that retention period ends with no active legal hold, the data is securely deleted from our systems.

Start by contacting our policy team via email or live chat to open a case. If we cannot resolve it internally within 30 days, we provide written confirmation and the details of the relevant external escalation body for your jurisdiction.

Your Rights and Our Legal Commitments

Reach Our Policy and Legal Team

How We Handle Your Data and Account Security

Data Storage

Cookie Use

Account Security

Retention Schedule

Your Data Rights

Dispute Escalation

Common Legal and Policy Questions

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

02 Can I request a full copy of the data kamalday holds on me?

03 How do I ask kamalday to correct or delete my personal data?

04 How are policy changes communicated and when do they take effect?

05 Does kamalday share my transaction data — including Paytm or PhonePe records — with third parties?

06 What happens to my data if I close my account?

07 How do I raise a formal dispute about a legal or policy matter?

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