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Explore the Rules That Govern Your y04 Account

Before you open an account and head into the lobby, these terms set out the agreement between you and y04 — covering how your account works, what you…

Account eligibilityJurisdiction-dependent accessUPI, Paytm, PhonePe depositsFair-use policyAccount security obligations

Explore the Lobby Read FAQ

Browse the Full Scope of These Terms

y04 Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

These terms apply to every account holder who accesses y04 from a supported region where local law permits such access. By creating and using your account, you confirm that you have read, understood, and agreed to these terms in their entirety. We may update these terms

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from time to time; when we do, we will notify you via the email address linked to your account. Continued use of your account after any update constitutes acceptance of the revised terms. Payments processed through UPI, Paytm, or PhonePe are subject to the transaction policies
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of those respective payment providers in addition to these terms. If any clause here conflicts with applicable Indian law, the relevant law takes precedence.

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

REACH OUR POLICY TEAM

Contact Us With Any Terms-Related Question

If any clause in these terms is unclear, or if you need to request a change to your account details under our data-handling policy, our support team is available around the clock. Reach us through the channel that suits you, and we will respond with a specific answer tied to your account and the relevant clause.

Team online

Live Chat

Our live chat line connects you directly to a policy-trained agent who can clarify specific clauses, walk through account-access conditions, and log any formal dispute you wish to raise against these terms.

Email Support

Send a written query to our support address for a documented response. We aim to reply within 24 hours for terms-related questions, and within 48 hours for formal data or account-closure requests.

Help Centre

Our on-site help centre contains clause-by-clause explanations of the most frequently queried sections of these terms, including account suspension rules, payment reversal conditions, and data-retention timelines.

HOW WE HANDLE YOUR ACCOUNT

Switch On Full Transparency With These Six Commitments

Our approach to these terms is built around clear obligations on both sides. We spell out exactly how we store your data, when we may suspend an account, and how you can…

Data Retention Policy

We retain your account data for the period required under applicable Indian financial regulations. Once that period lapses and your account is closed, we delete personal records from live systems within 30 days and from backup archives within 90 days.

Cookie Handling

Our site uses session cookies for login continuity and analytics cookies to understand how you navigate the lobby. You can manage cookie preferences from the settings panel; disabling analytics cookies does not affect your account or payment functions.

Account Security Obligations

You are responsible for keeping your login credentials confidential. We use two-factor authentication as an available layer of protection, and we will never ask for your password via chat or email — any such request should be reported to us immediately.

Payment Dispute Process

If a UPI, Paytm, or PhonePe transaction does not reflect on your account within the expected clearing window, raise a dispute through live chat with your transaction reference. We investigate and resolve most payment queries within 72 hours.

Account Suspension Conditions

We may suspend an account if we detect unusual activity, a breach of these terms, or a conflict with access rules in your jurisdiction. We will notify you by email and explain the specific reason; you can appeal within 14 days via the support email.

Requesting Changes to Your Data

To update, correct, or request deletion of the personal data we hold on your account, send a written request to our support email. We will acknowledge within 5 working days and complete eligible requests within 30 days of verification.

Get Answers to Key Questions About These Terms

The questions below address what we hear most often about how these terms affect your account, your data, and your rights. If your question is not covered here, open a chat and ask directly — we will give you a clause-specific answer.

Yes, these terms apply to every account holder accessing the platform from India, provided that access is permitted under your local law. Where local law restricts or prohibits access, eligibility is determined by those local rules, and these terms cannot override them.

We will email the address on your account before any material change takes effect, explaining what has changed and why. If you continue using your account after the update date, you are considered to have accepted the revised terms.

Contact our support team via live chat or email, quoting the specific clause you wish to dispute. We log every dispute formally and respond with our position within 5 working days. Unresolved disputes can be escalated per the governing-law clause.

Yes. Send a deletion request to our support email from the address linked to your account. We will verify your identity, confirm which data we are required to retain under Indian financial regulations, and delete the remainder within 30 days.

You must keep your password and any two-factor authentication codes private. Sharing credentials with a third party is a breach of these terms. If you suspect unauthorised access, contact us immediately so we can freeze the account and investigate.

Yes, transactions via UPI, Paytm, or PhonePe are governed both by these terms and by the payment provider's own policies. In case of a conflict between the two, the payment provider's terms apply to the transaction mechanics, and our terms apply to how funds are credited to your account.

After account closure, we retain data for the period mandated by applicable Indian financial and anti-money-laundering regulations. Personal records are removed from live systems within 30 days of that retention period ending and from backup archives within 90 days.

Explore the Rules That Govern Your y04 Account

Contact Us With Any Terms-Related Question

Live Chat

Email Support

Help Centre

Switch On Full Transparency With These Six Commitments

Data Retention Policy

Cookie Handling

Account Security Obligations

Payment Dispute Process

Account Suspension Conditions

Requesting Changes to Your Data

Get Answers to Key Questions About These Terms

01 Do these terms apply to me if I access y04 from India?

02 What happens to my account if these terms are updated?

03 How do I raise a dispute about a clause in these terms?

04 Can I request that y04 delete the personal data tied to my account?

05 What are my obligations regarding account security under these terms?

06 Are UPI, Paytm, or PhonePe transactions covered by separate terms?

07 How long does y04 keep my account data after I close my account?

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