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Terms and Conditions That Govern Your 498a Account

Before you open an account with us, these Terms and Conditions set out the rules that bind both you and 498a — covering how your account works, what…

Account holder rightsUPI & Paytm usage rulesDispute resolutionAccount suspension policyPhonePe withdrawal terms

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What These Terms Actually Cover

498a Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

These Terms and Conditions apply to every interaction you have with your 498a account — from the moment you register to every deposit made through UPI, Paytm, or PhonePe and every withdrawal you request. They describe how we process your activity, when we can restrict access,

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and what steps we take before an account is suspended or closed. Jurisdiction for any dispute follows the laws applicable in the region where access is permitted under local law. We update these terms when our policies change, and we notify you through the contact details
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you registered with us. Continuing to use your account after any update means you accept the revised terms.

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

TERMS SUPPORT CHANNELS

Reach Us About Your Terms Query

If any clause in these Terms and Conditions is unclear, or if you believe your account has been actioned incorrectly, our support team is available to…

HOW WE APPLY THESE TERMS

Data, Security and Account Handling Under Our Policy

We handle your account data in line with the obligations these Terms and Conditions create.

Data Retention

We retain your account data for as long as your account is active and for a period after closure as required by applicable law. You can request a summary of what data we hold by writing to our support team with your account ID.

Cookie Policy

Our site uses cookies to keep your session active, remember your preferred language, and analyse how account features are used. You can manage cookie preferences through your browser settings at any time without losing account access.

Account Security

Your account password is stored as a one-way hash — we cannot read it. If you suspect unauthorised access, use the password reset flow immediately and contact our support team so we can flag the account for review.

Requesting Changes

To update your registered name, email address, or linked payment method such as UPI or Paytm, submit a request through live chat or email with the supporting documents we specify in the Help Centre.

Who to Contact

For any formal Terms and Conditions dispute, write to our compliance team via the email address in your account settings. We acknowledge all formal complaints within 48 hours and provide a resolution timeline at that point.

Account Closure Rights

You may request account closure at any time through live chat. Any balance in your account at closure will be returned via your last verified withdrawal method — UPI, Paytm, or PhonePe — within the timeframe stated in your closure confirmation.

Answers to Common Terms Questions

These questions cover the points that come up most often when you read through the Terms and Conditions. If your query is not listed here, our support team can point you to the exact clause that applies to your situation.

They apply from the moment you complete registration and continue to apply for the full life of your account, including any period after closure during which we are legally required to retain your data.

We do not make changes without notice. We send an alert to your registered email before any update takes effect. Continuing to use your account after the effective date counts as acceptance of the revised terms.

Your linked payment details are removed from active use on closure. We retain only the transaction records required by applicable law, not the full instrument details, and only for the statutory retention period.

Contact our support team by email with your account ID and a brief description of the restriction. We review all disputes against the applicable clause and provide a written response within the timeframe stated in the Help Centre.

Governing law depends on the jurisdiction in which access is permitted under local law. For Indian account holders, the terms operate within the framework of applicable Indian legislation and are subject to change if that framework changes.

Yes. Submit a data access request through our support email with your account ID. We aim to respond with a structured summary of the data we hold within 30 days of receiving a valid request.

Withdrawals via PhonePe are subject to identity verification being complete on your account. Once verified, withdrawal requests are processed in the order received; the Help Centre lists current processing windows for each payment method.

Terms and Conditions That Govern Your 498a Account

Reach Us About Your Terms Query

Data, Security and Account Handling Under Our Policy

Data Retention

Cookie Policy

Account Security

Requesting Changes

Who to Contact

Account Closure Rights

Answers to Common Terms Questions

01 When do these Terms and Conditions apply to my account?

02 Can 498a change these Terms and Conditions without notice?

03 What happens to my UPI or Paytm details if I close my account?

04 How do I dispute an account restriction I believe was applied in error?

05 Which law governs these Terms and Conditions for Indian accounts?

06 Can I request a copy of my personal data held by 498a?

07 What are the conditions for a PhonePe withdrawal under these terms?

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