Reference

Terms and Conditions That Govern Your Account

Before you open an account on y91, these Terms and Conditions set out what you agree to, what we commit to, and how both sides can hold each…

Applicable where local law permitsUPI, Paytm, PhonePe coveredAccount security obligationsDispute resolution processAmendment notification policy

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What These Terms Cover on y91

y91 Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

These Terms and Conditions form a binding agreement between you and y91 the moment you create an account. They govern how you may use the platform, how your account is managed, and the rules around deposits made via UPI, Paytm, or PhonePe. We reserve the right

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to suspend or close an account that breaches these terms, and we will notify you via the registered email address before doing so wherever practicable. Jurisdiction for any dispute defaults to the territory where you hold your account, consistent with applicable Indian law. We update these
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Terms periodically; the version dated at the foot of this page supersedes all earlier versions. Continued use of the platform after an update is published constitutes acceptance of the revised Terms.

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

TERMS QUERY CHANNELS

How to Reach Us About These Terms

If any clause in these Terms and Conditions is unclear, or if you believe an account action was taken in error, contact our support team through the channels below. We aim to respond to terms-related queries within 24 hours on business days. All formal legal correspondence must be submitted in writing via email so that we maintain a complete record for your protection and ours.

Team online

Live Chat

Start a live chat session directly from your account dashboard to raise a terms query. Our agents can clarify clauses, walk you through account rules, and escalate formal disputes to the compliance team.

Email Support

Send a written query or formal notice to our support email. Email correspondence creates a dated record that both you and y91 can reference throughout any terms dispute or account review process.

Help Centre

Our Help Centre hosts the full text of current and previous Terms versions. Search by clause number or keyword to locate the specific rule that applies to your account situation before contacting support.

HOW WE UPHOLD TERMS

Six Ways y91 Enforces These Commitments

These Terms and Conditions are not a formality — they define the exact obligations y91 holds itself to on your behalf.

Data Retention Policy

We keep your account and transaction records for the period required under applicable Indian financial regulations. After that window, data is securely deleted unless you request earlier removal in writing through our support email.

Cookie Handling

Cookies we set are limited to session management, fraud prevention, and analytics. You can adjust cookie preferences in your browser settings at any time; withdrawing consent for analytics cookies does not affect your account access.

Account Security Standards

Your account password and OTP codes are yours alone — we will never ask for them via chat or email. Two-factor authentication is available and strongly encouraged; enabling it adds a second layer against unauthorised access.

Amendment Notification

When we revise these Terms, we post the updated version here and send a notification to your registered email at least seven days before changes take effect. You may close your account before the effective date if you do not accept the revision.

Change Request Process

To update the personal details on your account — name, address, linked UPI handle, or Paytm number — submit a written request via email with supporting documents. We complete verified changes within five business days.

Compliance Contact

For formal legal notices under Indian law, direct all correspondence to our compliance address listed at the foot of this page. We acknowledge receipt within two business days and respond substantively within fourteen calendar days.

Common Questions About These Terms

The questions below address what Indian account holders ask most frequently about how these Terms and Conditions apply to their account, their rights, and the steps to take when something is unclear or disputed.

They take effect the moment you complete account creation on y91. By proceeding past the registration step, you confirm you have read and accepted the current version of the Terms as displayed on this page.

No. We are required to notify you at least seven days before any revision takes effect. Notification is sent to your registered email, and the updated Terms are posted here with a clear effective date at the bottom of the page.

We retain your transaction and identity records for the period mandated by applicable Indian financial rules. Once that period expires, records are deleted securely unless you have an open dispute that requires them to be retained longer.

All deposits — whether made via UPI, Paytm, or PhonePe — are governed by these Terms. Transaction limits, processing rules, and reversal procedures are all set out here and apply to every payment method we support.

You may raise a formal dispute by emailing our compliance team with the details of the account action you contest. We acknowledge within two business days and aim to resolve straightforward disputes within fourteen calendar days of receipt.

These Terms are subject to the law of the territory in which you hold your account, consistent with applicable Indian law. Access to and use of the platform is available only where permitted by local law in your region.

Email our support team with a written request and any supporting documents, such as a government-issued ID. Verified changes to your name, address, linked UPI handle, or Paytm number are processed within five business days of document receipt.

Terms and Conditions That Govern Your Account

How to Reach Us About These Terms

Live Chat

Email Support

Help Centre

Six Ways y91 Enforces These Commitments

Data Retention Policy

Cookie Handling

Account Security Standards

Amendment Notification

Change Request Process

Compliance Contact

Common Questions About These Terms

01 When do these Terms and Conditions take effect for my account?

02 Can y91 change these Terms without telling me?

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

04 How do the Terms apply to deposits I make via UPI or PhonePe?

05 What are my rights if I disagree with an account decision?

06 Which jurisdiction's law governs these Terms?

07 How do I request a correction to my account details?

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