Reference

How labhlaxmi Handles Your Personal Data

At labhlaxmi, your personal data belongs to you — and we want you to know exactly how we collect, store and use it when you open an account…

Transparent Data UseAccount Security FirstYour Right to Access & DeleteIndia-Focused PolicyUPI & Paytm Data Protected

Explore Lobby Read FAQ

What This Policy Covers and Why

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

This policy applies to all personal data collected when you interact with labhlaxmi — including your account registration details, payment method identifiers (such as your UPI handle, Paytm or PhonePe number), device identifiers, browsing behaviour on our platform, and any correspondence you send to our support

1
team. We collect only what is necessary to operate your account, process deposits and withdrawals, and keep your session secure. Access to our platform depends on local law and is available where local law permits. We do not sell your personal data to third parties, and
2
any data shared with payment processors — including UPI gateways, Paytm and PhonePe — is limited strictly to what those processors need to complete your transaction.

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

REACH OUR PRIVACY TEAM

Contact Us About Your Data

Have a question about how we store your personal data, want to request a copy of what we hold, or need to ask us to delete your account information? Our privacy support team handles all data-related requests separately from general account queries, so your request reaches the right person without delay. We aim to respond to all privacy requests within 72 hours on business days.

Team online

Privacy Email

Send your data request, correction or deletion query directly to our dedicated privacy address and we will confirm receipt within one business day and resolve within 72 hours.

Live Chat Support

Open the live chat window inside your account dashboard and select the Privacy topic. Our agents are available during extended India business hours to walk you through your options.

In-Account Request Form

Log in, head to Account Settings, and use the Data & Privacy form to submit a formal access or erasure request. The form timestamps your submission and triggers our internal review workflow automatically.

HOW WE PROTECT YOU

Data Handling, Cookies and Account Security

We apply layered controls across every stage of data handling — from the moment you enter your UPI details at checkout to the point your withdrawal lands back in your Paytm or…

Encryption in Transit and at Rest

All data transmitted between your device and our servers uses TLS 1.2 or higher. Stored payment identifiers — including UPI handles and Paytm numbers — are encrypted at rest using AES-256 so they cannot be read even if a storage layer is compromised.

Cookie Policy and Your Choices

We use strictly necessary cookies to keep your session active, analytics cookies to understand how you move through the lobby, and preference cookies to remember your language and deposit method. You can adjust non-essential cookie categories from the Cookie Settings panel in your account.

Data Retention Schedule

We keep your account data for as long as your account remains active, plus a period required under applicable financial record-keeping rules. Once that period lapses, your personal identifiers are deleted from our live systems and from our encrypted backups within 30 days.

Third-Party Data Sharing

Your data is shared only with payment processors such as UPI gateways, Paytm and PhonePe, and with fraud-detection partners. Each partner operates under a data processing agreement that limits them to using your data solely for the task we have engaged them for.

Your Right to Access and Correct

You may request a full export of the personal data we hold on your account at any time. If any detail is inaccurate — your registered mobile number, email, or linked PhonePe ID — you can request a correction through the in-account form or by emailing our privacy team.

Account Closure and Erasure

If you choose to close your account, we will erase your personal identifiers from marketing lists immediately. Transaction records required under applicable law are retained for the minimum legal period and then permanently deleted. We will confirm erasure completion to your registered email.

Frequently Asked Privacy Questions

These are the questions our account holders ask most often about data handling, cookies, payment data and their rights under our Privacy Policy. If your question is not listed, reach out via live chat or the in-account privacy form and we will respond within 72 hours.

We collect your name, email address, mobile number, and the payment identifiers you use — such as your UPI handle, Paytm or PhonePe number. We also collect your device type and IP address for security and fraud-prevention purposes, but nothing beyond what is needed to run your account.

We store only a tokenised reference to your payment method — never the full raw credentials. Your UPI handle or Paytm number is encrypted before storage and is accessible only to the payment-processor integration layer, not to general staff or systems.

Yes. Submit a data access request through Account Settings or by emailing our privacy team. We will compile and send a structured copy of your personal data — including account details, transaction history and preferences — within 30 days of receiving your verified request.

Use the Data & Privacy form inside your account or contact us by email. After verifying your identity, we will erase your personal identifiers from our live systems and marketing lists. Records required by applicable law are held for the legal minimum period and then permanently deleted.

No. We do not sell or rent your data to any marketing company. Data is shared only with payment processors and fraud-detection partners strictly for the purpose of running your account, and each partner is bound by a data processing agreement limiting their use.

Open the Cookie Settings panel in your account to adjust analytics and preference cookies. Strictly necessary cookies cannot be disabled because they keep your session active, but all non-essential categories can be turned off individually without affecting your core account access.

Personal identifiers such as your name and email are erased from live systems within 30 days of account closure. Transaction records required under applicable financial regulations are retained for the legally mandated period only and then permanently deleted. We will email you to confirm erasure.

How labhlaxmi Handles Your Personal Data

Contact Us About Your Data

Privacy Email

Live Chat Support

In-Account Request Form

Data Handling, Cookies and Account Security

Encryption in Transit and at Rest

Cookie Policy and Your Choices

Data Retention Schedule

Third-Party Data Sharing

Your Right to Access and Correct

Account Closure and Erasure

Frequently Asked Privacy Questions

01 What personal data does labhlaxmi collect when I open an account?

02 Is my UPI or Paytm payment data stored on your servers?

03 Can I request a copy of all the data you hold about me?

04 How do I ask labhlaxmi to delete my personal data?

05 Does labhlaxmi share my data with any third parties for marketing?

06 How can I manage cookies on the labhlaxmi platform?

07 How long does labhlaxmi keep my data after I close my account?

Related Pages