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Your Rights and Our Legal Commitments

At mdurmtka, our legal framework is designed to be transparent and straightforward — covering how we collect and use your data, what governs your account, and how disputes…

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mdurmtka Your Rights and Our Legal Commitments
LEGAL CONTACT PATHS

Reach Our Legal and Compliance Team

If you need to raise a legal query, request a copy of your data, or submit a formal complaint, the channels below connect you directly with the team that handles policy matters…

Email — Legal Desk Send your formal data requests, policy queries, or dispute notices to our legal inbox. We respond in writing with a reference number within 48 hours so you can track your case.
Live Chat — Policy Support For urgent account-related policy questions — such as account suspension reasons or payment holds — start a live chat session and request escalation to the compliance tier for a faster initial response.
Post — Registered Address Formal legal notices, subject access requests, and dispute escalations sent by post to our registered address are logged on receipt and handled under the same 10-working-day written response commitment.
HOW WE HANDLE YOUR DATA

Account Security, Data and Your Legal Protections

We apply specific technical and procedural controls to protect your account and personal data at mdurmtka.

Cookie Controls

We use functional and analytics cookies only. You can review and update your cookie preferences from the account settings page at any time. Withdrawing consent for analytics cookies does not affect your account access or transaction history.

Data Retention Period

Account records, transaction logs covering UPI, Paytm, and PhonePe payments, and correspondence are held for the period required by applicable law. After that period, data is deleted or anonymised in line with our internal schedule.

Account Security Practices

Your account is protected by two-step verification and session monitoring. Any login from an unrecognised device triggers an email alert to your registered address, giving you immediate visibility of any unauthorised access attempt.

Data Access Requests

You have the right to request a copy of all personal data we hold on your account. Submit a written request via the legal email channel and we will compile and deliver a structured data export within 10 working days.

Correction and Deletion

If you believe any data we hold is inaccurate or out of date, you can request a correction in writing. Deletion requests are reviewed against our legal retention obligations before processing — we will confirm the outcome in writing.

Dispute Escalation Path

If an internal complaint is not resolved to your satisfaction, you may escalate to the relevant authority under the laws of your jurisdiction. We will supply all documentation needed to support your escalation within 5 working days of receiving your request.

Common Legal Questions About Your Account

The answers below cover the legal questions we receive most often — from data rights and cookie choices to account closure and dispute procedures. If your question is not here, contact the legal desk by email and we will respond in writing within 48 hours.

The privacy policy applies to anyone who opens an account or browses the platform where local law permits. It covers all personal data collected during account registration, deposits via UPI or Paytm, and customer support interactions.

Yes. Submit a written data access request through our legal email channel. We compile a structured export of your account data — including transaction records and correspondence — and deliver it within 10 working days of verification.

Go to account settings and open the cookie preferences panel. You can switch off analytics cookies without affecting your ability to log in, make deposits via PhonePe or UPI, or access your account history.

After account closure, we retain records for the period required under applicable local law. Once that retention period expires, records are deleted or anonymised. You will receive written confirmation of the retention period when your closure request is processed.

Send a written notice to our legal inbox detailing the dispute, your account reference, and the remedy you are seeking. We acknowledge within 48 hours and provide a substantive written response within 10 working days. Unresolved disputes may be escalated under local jurisdiction law.

Yes. Access to our platform and its services depends on local law and is available only where local law in your specific state or union territory permits. It is your responsibility to confirm that access is lawful in your location before opening an account.

We send a notification to your registered email address before any material change to our terms takes effect. The notice specifies what has changed and when the new version applies. Continued use of your account after that date constitutes acceptance.

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