Reference

Our Legal Framework and Your Account Rights

karamba operates under a clear legal structure so you always know where you stand — your rights, our obligations, and how disputes are handled are set out here…

Jurisdiction-Aware TermsData Privacy CoveredAccount Security PolicyCookie Consent ControlsContact Rights Documented

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What Our Legal Terms Actually Cover

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

These terms govern every interaction you have with karamba — from the moment you open an account through to withdrawals processed via UPI, Paytm, or PhonePe. Our terms are written to reflect the legal environment applicable to India, and where local law restricts access, those restrictions

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apply automatically to your account. We do not override national or state-level regulation; instead, our policy posture accommodates them. If you transact using UPI or Paytm, the relevant payment terms of those providers also form part of your overall agreement with us. We update our legal
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documents when regulatory requirements change, and we notify you of material changes by email before they take effect. Continued use of your account after the notification period constitutes acceptance of the revised terms.

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

LEGAL CONTACT PATHS

Reach Us on Any Legal or Policy Matter

If you have a question about our terms, wish to exercise a data right, or need clarification on how a specific policy clause applies to your account, our support team handles legal…

Legal Email Send detailed policy or data-rights requests to our legal inbox. We review every submission and respond with a case reference number within one business day of receipt.

Live Chat Connect with our support team directly in the chat widget for immediate clarification on any clause, cookie setting, account flag or terms-change notice you have received.

Written Post For formal legal correspondence, certified post to our registered address is accepted. We acknowledge receipt within five business days and respond in writing to your return address.

HOW WE HANDLE POLICY

Data, Cookies, Security and Account Retention

Our policy practices are designed to be transparent and auditable — here is precisely how we manage the six areas that matter most to your account and your data.

Data Collection Scope

We collect only the data necessary to verify your identity, process UPI or Paytm transactions, and maintain your account. We do not sell your personal data to third-party marketing networks under any circumstance.

Cookie Controls

On your first visit you are shown a consent banner. You can accept all cookies, accept functional-only cookies, or manage preferences individually. Your choices are stored and can be revised any time from the footer settings link.

Account Security Practices

Accounts are protected by two-factor authentication via SMS or an authenticator app. Withdrawal requests above a set threshold trigger an additional identity check before funds move to your PhonePe or UPI-linked account.

Data Retention Schedule

Transaction records are retained for seven years to satisfy financial reporting obligations. Account profile data is deleted within 30 days of a verified closure request, subject to any outstanding regulatory hold.

Your Right to Access

You may request a full export of the personal data we hold on your account at any time. We prepare and deliver the export file within 14 days of a verified request submitted through our legal email channel.

Policy Change Notifications

When we revise any section of our legal terms, we send a plain-language summary to your registered email address at least 14 days before the change takes effect, so you have time to review before deciding to continue.

Frequently Asked Questions About Our Terms

The questions below cover the legal topics our India account holders ask about most often — from data rights and cookie settings to how disputes are escalated and how to close your account in a way that clears all outstanding balances.

Your account is subject to the laws of the jurisdiction in which karamba holds its operating authorisation, as stated in our full terms document. Where Indian national or state law imposes additional obligations, those also apply to your account automatically.

Send a data-access request to our legal email address with your account username and a government-issued ID scan for verification. We deliver a structured data export to your registered email within 14 calendar days of confirming your identity.

Yes. Submit a deletion request through our legal email channel. We remove account profile data within 30 days unless a regulatory retention obligation requires us to keep specific transaction records, which we will explain in our written response.

Open the cookie settings panel via the link in the page footer at any time. You can change individual category preferences — analytics, marketing, functional — and your new choices are saved immediately without needing to close or reopen your account.

You have the right to close your account before the updated terms take effect. Contact support within the 14-day notice window, complete any outstanding withdrawal to your UPI or Paytm account, and we will process the closure without penalty.

Raise the dispute in writing via live chat or email. Our compliance team reviews the case and responds within five business days. If the outcome does not satisfy you, our terms set out the escalation path, including any applicable external body in the relevant jurisdiction.

Payment data passes to the relevant payment processor — PhonePe, Paytm, or UPI network — only to the extent needed to complete your transaction. We do not share your financial details with advertisers or unrelated data brokers at any point.

Our Legal Framework and Your Account Rights

Reach Us on Any Legal or Policy Matter

Data, Cookies, Security and Account Retention

Data Collection Scope

Cookie Controls

Account Security Practices

Data Retention Schedule

Your Right to Access

Policy Change Notifications

Frequently Asked Questions About Our Terms

01 Which law governs my karamba account if I am in India?

02 How do I request a copy of the personal data karamba holds on me?

03 Can I ask karamba to delete my personal data?

04 How do I change my cookie preferences after I have already accepted them?

05 What happens to my account if the legal terms change and I do not agree?

06 How does karamba handle a dispute I raise about a transaction or account decision?

07 Is my financial information shared with any third party when I pay via PhonePe or Paytm?

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