Reference

Account terms for India use

These Terms & Conditions set the rules for opening and using your account, including identity checks, access limits, wallet actions, content use, and closure.

Access rulesIdentity checksLocal lawClosure terms

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What our rules cover

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

These rules apply to your account, the content you submit, the way you use the site, and any request we receive about access or closure. If you use UPI, Paytm or PhonePe as part of the account flow, the same terms govern authorisation, failed requests, reversals,

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and record checks. We may ask for extra identity proof before a request is processed, and we may pause a feature if the details do not match, if a security risk appears, or if local law requires it. When we update the text, the new version
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is posted here with a date stamp. Your continued use after that date means you accept the updated terms where law allows.

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

ASK THE POLICY

Where to send questions

If you want to question a rule, ask for the current version, or check how a decision was made, use the support paths below.

DATA AND ACCESS

How we handle your data

We store the policy trail with the account record that created it, so a change request, consent note, or support reply can be traced later.

Record trail

We keep a timestamped trail of consent, login attempts, and policy acknowledgements tied to your account. That trail helps us answer disputes later and shows which terms were visible when you took an action.

Cookie control

Browser cookies remember session state and language choice. If you clear them, you may need to sign in again and reset preferences, but the terms page and account rules stay the same.

Account security

Use a strong password and keep your login device to yourself. If we see unusual sign-ins, we may ask you to verify before we restore access or accept a sensitive request.

Retention periods

We store support cases and security logs only for the time needed to handle disputes, meet tax or legal duties, and complete required checks. After that, records are removed or archived under our schedule.

Change requests

If your email, phone, or name needs correction, send the request through support with the details that must change. We may ask for proof before we edit the stored account record.

Policy updates

When we change the terms, the new text appears on this page with its date stamp. If the law allows the service in your area, continued use after that date follows the updated version.

Common questions on account terms

These questions focus on how the terms apply to your account, what happens when rules change, and how you can ask for help. We wrote them to match the same version that appears on this page, so you can compare the answer with the live text before you act. If a local rule changes, the local rule controls.

They apply from the moment you access the site, create an account, or continue using the service after a posted update. If local law limits access, that limit controls and some actions may stay unavailable.

Yes. We may replace or amend them, and the posted date shows which version is active. If you keep using the service after the new version appears, that use is treated as acceptance where local law allows.

Local law takes priority. If any clause is unenforceable in your state or region, the rest of the terms still apply unless the law requires otherwise. In that case, we narrow the clause to the lawful part.

We keep account logs, support messages, and rule-change records for as long as needed to manage access, disputes, security checks, and legal retention. After that, the records are removed or archived according to the applicable schedule.

Use the support path in your dashboard and send the exact change you want, such as a correction to your email or profile detail. We may ask you to verify the account before we edit stored data.

Yes, if we see a breach of the terms, suspicious access, or a legal reason to stop service. You can ask for the reason and next steps through support, and we will answer against the active policy version.

Account terms for India use

Where to send questions

How we handle your data

Record trail

Cookie control

Account security

Retention periods

Change requests

Policy updates

Common questions on account terms

01 When do these terms start applying?

02 Can the terms change later?

03 What if a term conflicts with local law?

04 What records do you keep?

05 How do I ask for changes to my data?

06 Can my account be paused or closed?

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