Reference

How d4c Handles Your Personal Data

At d4c, we are clear about what data we collect from your account, why we collect it, and how long we keep it — no ambiguity.

Data collected transparentlyUPI and Paytm payment data protectedAccount data stored securelyYour right to request deletionIndia-region policy scope
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d4c How d4c Handles Your Personal Data
REACH OUR PRIVACY TEAM

Contact Us About Your Data

If you have questions about how your personal data is handled, want to request a copy of what we hold, or need to raise a concern about data use, our privacy support…

Email Privacy Request Send a written request to our dedicated privacy address. Include your registered mobile number or email so we can locate and action your account data without delay.
Live Chat Support Start a live chat session from your account dashboard. Our agents handle data queries directly and can escalate to the privacy team if your request needs deeper review.
In-App Help Centre Navigate to the Help section inside your d4c account. Submit a privacy ticket there and track its status — all correspondence is logged against your account record.
HOW WE PROTECT YOU

Data Handling, Cookies and Account Security

Every layer of how we handle your data — from storage to access controls — is designed to keep your account information protected and available only to you and the teams who…

Data Storage and Encryption

Your personal and financial data is stored on encrypted servers. Access is restricted to authorised personnel only, and storage locations are reviewed periodically to meet current security standards applicable in India.

Cookie Policy

We use essential cookies to keep your session active and region settings correct for India. Non-essential cookies for analytics are only active if you have not withdrawn consent through your browser or account settings.

Payment Data Handling

Details from UPI, Paytm, and PhonePe transactions are processed through encrypted payment channels. We store only the reference identifiers needed for dispute resolution — not your full UPI credentials or PIN.

Data Retention Schedule

Account data is retained for the period required under Indian financial and identity-verification regulations. Once that period lapses and your account is closed, personal data is deleted or anonymised within 30 days.

Who Can Access Your Data

Only our account operations, payments and compliance teams access your personal data, and only when needed to process your request or investigate a dispute. We do not share data with advertisers.

Requesting Changes or Deletion

You can request a correction, export or deletion of your data by contacting the privacy team via email or live chat. We will confirm receipt and complete the action within the timeframe stated in your acknowledgement.

Frequently Asked Questions on Our Privacy Policy

These answers cover the data questions we hear most often from account holders in India. If your question is not listed here, contact our privacy support team directly and we will respond within 72 hours.

We collect your name, email address, registered mobile number, and identity verification documents. Payment identifiers from UPI, Paytm, or PhonePe are also logged when you make a deposit or withdrawal — only the reference ID, not your PIN or password.

We do not sell your data. We share it only with payment processors like UPI and Paytm networks, identity verification services, and regulatory bodies where required by Indian law. All third-party processors are bound by confidentiality terms.

Account data is retained for the period mandated by Indian financial regulations — typically five years for transaction records. Personal profile data not required by regulation is deleted or anonymised within 30 days of account closure.

Yes. Submit a data access request via email or through the in-app Help Centre. We will compile your account data and send it to your registered email address within 10 business days of verifying your identity.

Contact our privacy team by email or live chat with the specific correction or deletion you need. We will verify your identity first, then process the change within 10 business days and confirm completion by email.

We use essential cookies for session management and region settings. Analytics cookies are optional. You can withdraw consent for non-essential cookies through your browser settings at any time — this will not affect core account functions.

Yes. Payment data passes through encrypted channels. We store only the transaction reference ID returned by UPI or PhonePe — never your credentials, VPA, or PIN. Any dispute can be traced using that reference without exposing your full payment details.

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