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Our Legal Terms and Your Account Rights

220pati operates under a clear legal framework that sets out your rights, our obligations, and the conditions that apply to every account opened where local law permits.

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220pati Our Legal Terms and Your Account Rights
LEGAL CONTACT PATHS

How to Reach Us on Legal Matters

If you have a question about your rights under these terms, want to request a change to your account data, or need to raise a formal dispute, our support team handles legal enquiries through three direct channels. Each route connects you to a team member who can locate your account, verify your identity, and progress your request in line with the policy terms described on this page.

Team online

Email Support

Send your legal query or data-access request to our dedicated legal email address. We aim to respond within 48 hours and will confirm receipt of formal requests within one business day.

Live Chat

Our chat team is available around the clock for urgent account or policy questions. For formal written requests — such as data deletion or dispute notices — email is the preferred channel.

Account Panel

Many account-level requests, including communication preferences and linked payment methods like UPI or Paytm, can be managed directly from your account settings without contacting support.

HOW WE HANDLE THIS

Data Handling, Cookies, and Account Security at 220pati

We hold account data only for as long as it is needed for operational, legal, or regulatory purposes.

Data We Collect

We collect identity details, contact information, and transaction records — including UPI, Paytm, and PhonePe payment references — to operate…

Cookie Policy

We use session cookies to keep you logged in and functional cookies to remember your lobby preferences.

Account Security

Passwords are stored in hashed form and never transmitted in plain text.

Data Retention Period

Account records are retained for the period required under applicable Indian law and our internal compliance schedule.

Who to Contact for Data Requests

Address all data-access, correction, or deletion requests to our legal team by email.

How to Request Changes

Submit a written request via email with your identity document attached.

Common Legal Questions About Your 220pati Account

These questions cover the legal rights and obligations most commonly raised by account holders. If your question is not answered here, contact our legal support team directly by email or live chat and we will respond with reference to the specific clause that applies to your situation.

Access depends entirely on local law in your state or region and is available only where local law permits. Check the laws applicable in your jurisdiction before opening an account, as we do not accept accounts from locations where such activity is prohibited.

We collect your name, contact details, date of birth, and payment information — including UPI handles, Paytm account references, and PhonePe numbers — to operate your account, verify your identity, and process transactions in line with our legal obligations.

After account closure, we retain transaction records and identity documents for up to five years in line with applicable Indian legal and audit requirements. Once that period expires, data is securely deleted from our active and backup systems.

Send a written request to our legal support email with your registered account email and a copy of a valid identity document. We aim to deliver a full data export within 14 days of verifying your identity and confirming the account matches our records.

Yes. Submit a deletion request by email with your account details and identity document. We will delete personal data that we are not legally required to retain, and we will notify you in writing once the deletion has been completed on our systems.

We use session cookies for login, functional cookies for lobby preferences, and analytical cookies for performance monitoring. Non-essential cookies can be switched off at any time through the consent panel in your browser without losing access to your account.

Send a written dispute notice to our legal support email describing the issue, the relevant transaction or account event, and the resolution you are seeking. We acknowledge formal disputes within one business day and aim to resolve them within 14 working days.

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