Reference

Terms and Conditions That Govern Your Account

These terms set out the rules between you and mardmatka — what you agree to when you open an account, how we handle your access, and what applies…

Governed by Indian law where applicableAccount access subject to local eligibilityUPI, Paytm, PhonePe transactions includedTerms updated when policy changesContact us for any clause query

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How These Terms Apply to Your Account

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

By opening an account on mardmatka, you confirm that you have read, understood, and agreed to these terms in full. Access to the platform is available where local law permits, and it is your responsibility to verify that using this service is lawful in your location

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within India. We reserve the right to suspend or close accounts where we determine that access falls outside permitted regions. All deposits processed via UPI, Paytm, or PhonePe are subject to these terms, including any applicable transaction verification steps we may require. Any changes to these
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terms will be communicated through your registered account email or through a notice on the platform, and continued use after a change notice constitutes acceptance of the revised terms.

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

TERMS CONTACT PATHS

Reach Us About Any Terms Query

If any clause in these terms is unclear, or if you believe a term has been applied incorrectly to your account, our support team can be reached through the channels below. We aim to respond to terms-related queries within 24 hours of receipt.

Team online

Email Support

Send your terms query to our dedicated support address and we will reply with a written clarification within one business day, keeping a record for your account file.

Live Chat

Our chat agents can walk you through specific clauses in real time during operating hours, helping you understand how a particular rule applies to your account situation.

Account Help Centre

The Help Centre in your account dashboard lists common terms queries with answers, so you can check whether your question has already been addressed before contacting us.

HOW WE HANDLE YOUR DATA

Account Security, Data, and Your Rights Under These Terms

These terms include specific commitments around how we store, use, and protect your account data. Below are the six core areas we want you to understand before you start using the platform.

Data Storage

We store your account details, transaction history, and session logs on secured servers. Your UPI or Paytm-linked payment data is never stored in plain text and is encrypted at rest using current industry-standard protocols.

Cookies and Tracking

Our platform uses cookies to keep your session active, remember your lobby preferences, and measure which areas of the site you use most. You can manage cookie preferences from your browser, though some features may not work without session cookies.

Account Security

You are responsible for keeping your login credentials private. If you suspect unauthorised access, contact support immediately and we will lock the account within minutes of a verified request, protecting any pending PhonePe or UPI withdrawals.

Data Retention

We retain your account data for as long as your account is active and for a period after closure as required under applicable Indian financial regulations. After the retention period, personal data is deleted or anonymised.

Who to Contact for Changes

To request a correction to your stored data or to ask about what personal data we hold, email our data team directly from your registered address. We will acknowledge the request within 48 hours and respond in full within 14 days.

Right to Close Your Account

You may request account closure at any time through the account settings page or by contacting support. Closure requests are processed within 72 hours, and any remaining wallet balance will be returned to your linked UPI or Paytm account.

Your Questions on These Terms, Answered

These are the questions we receive most often about our terms and conditions. If yours is not listed here, use the support channels in the section above to get a direct answer.

These terms take effect the moment you complete account registration and confirm your details. By submitting your registration, you are indicating that you have read and agreed to all clauses that apply to your account and region.

No. We are required to notify you of any material change to these terms via your registered email address or through a notice posted in your account dashboard. Continued use of the platform after receiving that notice constitutes acceptance of the updated terms.

If your account is suspended pending a review, any wallet balance is frozen but not forfeited. Once the review is complete and if access is restored, your balance — including any pending UPI or Paytm transactions — will be accessible again.

Yes. All payment methods available on the platform, including PhonePe, Paytm, and UPI, are covered under the same terms. Withdrawal eligibility, verification steps, and processing timelines outlined in these terms apply equally across all supported payment rails.

You can raise a formal dispute by emailing our support team with your account number and a description of the decision you are challenging. We will acknowledge within 48 hours and assign your case to a senior member of the account compliance team.

We share data only where required to process your payments — for example, passing necessary details to your UPI provider — or where required by applicable Indian law. We do not sell your personal data to marketing companies or unrelated third parties.

Account closure is processed within 72 hours of a verified request. Any remaining balance at the time of closure is returned to your registered UPI or Paytm account, less any amounts subject to an open verification or dispute at the time of the request.

Terms and Conditions That Govern Your Account

Reach Us About Any Terms Query

Email Support

Live Chat

Account Help Centre

Account Security, Data, and Your Rights Under These Terms

Data Storage

Cookies and Tracking

Account Security

Data Retention

Who to Contact for Changes

Right to Close Your Account

Your Questions on These Terms, Answered

01 When do these terms take effect for my account?

02 Can mardmatka change the terms without telling me?

03 What happens to my UPI or Paytm funds if my account is suspended?

04 Do these terms cover withdrawals made through PhonePe?

05 How do I dispute a decision made under these terms?

06 Is my account data shared with any third parties?

07 How long does account closure take and what happens to my balance?

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