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What Our Legal Terms Mean for You

At 9ja92, our legal framework is built to be straightforward — setting out what we owe you, what you agree to when you open an account, and how…

Terms of UsePrivacy PolicyCookie PolicyAccount ConditionsData Retention

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How Our Terms Apply to Your Account

9ja92 Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

When you open an account on 9ja92, you enter into a direct agreement with us governed by the terms published on this page. These terms cover how your account is created, how transactions are processed through payment methods such as UPI, Paytm and PhonePe, and what

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happens when disputes arise. Our policies are written to comply with applicable jurisdiction requirements, and any access to the platform is subject to the laws of the region where you are located. We update these terms when regulations or platform features change, and we notify you
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via the email address linked to your account. It is your responsibility to read the current version before using the platform. Where local law restricts access, those restrictions take precedence over anything stated here.

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

LEGAL CONTACT PATHS

Reach Us About Any Policy Matter

If you have a question about our terms, need to request a change to your account data, or want to raise a legal concern, our support…

POLICY STANDARDS

How 9ja92 Handles Data, Cookies and Account Security

Our approach to data and account security follows a clear set of practices designed to keep your information accurate, protected and accessible only to you.

Data Collection Scope

We collect only what is necessary for account operation — your name, email, payment identifiers such as your UPI handle or Paytm-linked number, and session activity. No surplus personal data is stored beyond what your account requires.

Cookie Handling

Session and analytics cookies run on 9ja92 pages. You can adjust cookie preferences from the settings panel in your browser. Strictly necessary cookies cannot be switched off as they keep your session and wallet active.

Account Security Protocols

Passwords are hashed at rest. We use two-factor verification for withdrawal requests and account-detail changes. If unusual login activity is detected from a new device, we send an alert to your registered email before access is extended.

Data Retention Period

Account data is retained for the period required by applicable law in your jurisdiction, typically no longer than five years after account closure. You may request deletion of non-essential data at any time through the account dashboard.

Who to Contact for Data Requests

For subject-access requests, correction requests or deletion requests, contact our data team via the policy inbox or the dashboard ticket system. We acknowledge receipt within 24 hours and complete requests within the statutory period.

Requesting Account or Policy Changes

To update your registered email, linked PhonePe or Paytm number, or to request a copy of your stored data, use the account settings page or raise a support ticket flagged as a legal matter for priority routing.

Answers to Common Legal and Privacy Questions

These questions cover the areas we hear about most — your rights under our terms, how your data is used, and the steps to take when something needs changing or deleting.

We collect your name, email address, date of birth, and payment identifiers such as your UPI ID or Paytm number. We also log session activity for security purposes. No additional personal data is collected without your explicit consent.

Yes. Submit a subject-access request through the account dashboard or by emailing our policy inbox. We will compile and send your stored data within the statutory period, typically no longer than 30 days from the date we acknowledge your request.

Raise a deletion request via the dashboard ticket system and flag it as a legal matter. We will remove non-essential data within the required timeframe. Some records, such as transaction logs, may be retained as required by applicable law in your region.

Your account agreement is governed by the laws of the jurisdiction applicable to your location. Access to the platform depends on local law and is available only where local law permits. The terms page is updated when regulatory requirements change.

Payment identifiers are stored in encrypted form and used solely for processing deposits and withdrawals linked to your account. We do not share payment details with third parties except where required to process a transaction you have authorised.

After account closure, we retain records for the period required by applicable law — typically up to five years for financial transaction data. Non-essential data such as preference settings and marketing consents is deleted within 30 days of closure.

We send a notification to your registered email address whenever the terms or privacy policy is updated in a material way. The updated version takes effect on the date stated in that notification. Continuing to use the account constitutes acceptance.

What Our Legal Terms Mean for You

Reach Us About Any Policy Matter

How 9ja92 Handles Data, Cookies and Account Security

Data Collection Scope

Cookie Handling

Account Security Protocols

Data Retention Period

Who to Contact for Data Requests

Requesting Account or Policy Changes

Answers to Common Legal and Privacy Questions

01 What data does 9ja92 collect when I open an account?

02 Can I request a copy of my personal data?

03 How do I ask for my data to be deleted?

04 Which law governs my account agreement with 9ja92?

05 How are payment details like my UPI or PhonePe number stored?

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

07 How will I know when the legal terms have changed?

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