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How 4dham Handles Your Personal Data

At 4dham, we want you to know exactly what data we collect when you open an account, how we use it, and what control you have over it.

Data collected only as neededYour account, your controlUPI & Paytm data protectedContact us anytime to request changesIndia-specific data handling
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4dham How 4dham Handles Your Personal Data
REACH OUR PRIVACY TEAM

How to Contact Us About Your Data

If you have a question about how we hold your personal data, want to request a correction, or would like to ask us to delete your account information, our privacy support team…

Email Privacy Support Send your data request, correction notice, or deletion inquiry to our privacy email. We acknowledge all requests within one working day and resolve most within 48 hours.
Live Chat on 4dham Open the live chat widget on any page of our platform. Our support agents can raise a privacy ticket on your behalf and confirm a reference number for your request.
Postal Address For formal written requests, you may post a signed letter to our registered address. Include your account email and the nature of your request so we can locate your records promptly.
HOW WE PROTECT YOUR DATA

Data Handling, Cookies, and Account Security

We apply layered security measures across every part of your account — from the moment you enter your UPI or Paytm details to the way your session token is stored.

Encryption in Transit and at Rest

All data you submit — whether your phone number, UPI handle, or account credentials — is encrypted using TLS during transmission and AES-256 at rest. No plain-text personal data is stored on our servers.

Cookie Usage and Management

We use session cookies to keep your login secure and analytics cookies to understand how you navigate our platform. You can adjust cookie preferences through your browser at any time without losing your account access.

Account Security Controls

Your account is protected by password hashing and optional two-factor authentication via your registered phone number. We alert you by SMS or email whenever a new device or location accesses your account.

Data Retention Schedule

We keep your active account data for as long as your account is open. After closure, we retain only what Indian law requires for financial and regulatory purposes, then delete the remainder on a scheduled cycle.

Who Can Access Your Records

Access to personal account records is restricted to staff with a verified business need — such as fraud review or payment reconciliation. All access events are logged and audited internally on a regular basis.

Requesting Changes to Your Data

You have the right to access, correct, or request deletion of your personal data. Submit your request via live chat or email with your account email and we will process it within the timeframe set by applicable law.

Your Privacy Policy Questions, Clearly Answered

Below are the questions we hear most often about how 4dham handles personal data. If you do not find what you need here, our privacy support team is available through live chat or email to address your specific situation.

We collect your name, email address, mobile number, and payment identifiers such as your UPI handle or Paytm number. We also log device and session data to keep your account secure and prevent unauthorised access.

We store the minimum payment reference data needed to reconcile your transactions — such as a UPI transaction ID or Paytm order reference. Full bank account or card numbers are never stored on our platform servers.

Yes. Send a written request to our privacy email or raise a ticket via live chat. We will compile your personal data record and deliver it to your registered email address within the period required by applicable Indian law.

Contact our privacy support team by email or live chat with your account email and a deletion request. We will remove your data subject to any retention obligations under Indian financial regulations, and confirm completion to you.

We do not sell your data. We share it only with payment processors such as UPI network partners and Paytm, or with regulatory bodies when required by law. All third-party data processors are bound by confidentiality agreements.

After account closure, we retain transaction and identity records for the period required by applicable Indian financial law, then delete them on our scheduled data-purge cycle. Non-essential data is removed sooner.

First, reach our privacy team via email or live chat — most concerns are resolved quickly. If you remain unsatisfied, you may escalate to the relevant data protection authority in your jurisdiction under applicable Indian law.

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