Reference

Your Rights and Our Commitments at lotare

These pages set out the legal framework that governs your account on lotare — covering how we collect and store your data, what rules apply to account access…

Account TermsPrivacy & DataCookie PolicyUPI & Paytm TransactionsJurisdiction Clause

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How Our Legal Terms Apply to Your Account

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

When you open an account with lotare, you enter into a contractual relationship governed by these terms. The terms cover every interaction — from account registration and identity verification to payment processing via UPI, Paytm and PhonePe, and withdrawal clearance. All financial activity on your account

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is logged and retained in accordance with applicable Indian data-protection obligations. We process your personal details solely to operate the services you have requested, to comply with legal obligations, and to keep your account secure. Any transaction made through UPI, Paytm or PhonePe is subject to
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both our payment terms and the rules of the relevant payment rail. Where a conflict arises between these terms and local law, local law prevails. Eligibility to use the platform depends entirely on local law and is available where local law permits.

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

CONTACT POLICY TEAM

Reach Us on Any Legal or Policy Matter

Our policy team handles questions about account terms, data rights, cookie preferences and jurisdiction queries. You can contact us by email, live chat or our dedicated policy request form — all available from within your account dashboard. We aim to respond to legal and data queries within 72 hours of receipt.

Team online

Email Policy Desk

Send detailed legal or data-rights queries to our policy email address. We log every request on receipt and work through them in the order they arrive, typically within 72 hours.

Live Chat

Our live chat team can direct you to the correct policy document, escalate a data request or clarify a term in real time — available during extended India support hours.

Policy Request Form

Use the in-account form to raise a formal data-access or data-deletion request. Submissions are tracked with a reference number so you can follow progress without re-submitting.

HOW WE HANDLE DATA

Security, Retention and Your Account Rights

We apply layered controls to every account — encryption at rest and in transit, two-step login options and automated alerts for unusual access patterns.

Data Collection

We collect only what is necessary to operate your account — name, contact details, payment identifiers and transaction history. No data beyond this operational minimum is retained without your consent.

Cookie Use

Our site uses cookies to keep you logged in, remember your lobby preferences and measure which pages you visit. You can adjust cookie settings from the footer of any page at any time.

Account Security

Two-factor authentication is available on all accounts. We also flag logins from new devices and send immediate email alerts so you know about any access that did not come from you.

Data Retention

Transaction and identity records are held for the minimum period required under applicable Indian law. When the retention period expires, records are deleted or anonymised without further action needed from you.

Your Access Rights

You can request a copy of all personal data we hold on your account at any time using the policy request form. We fulfil verified data-access requests within 30 days of confirmation.

Requesting Changes

To correct, update or delete personal data, submit a request via the policy form or email our data desk. We verify identity before making any change and confirm completion in writing.

Common Questions About Our Legal Terms

These answers address the questions we receive most often about account terms, data handling and user rights on lotare. If your question is not covered here, our policy team is available through live chat or the email desk.

Your account is subject to the jurisdiction stated in our full terms document. Where local Indian law conflicts with any term, local law takes precedence. Eligibility to hold an account depends on local law and is available where local law permits.

Submit a data-access request through the policy form inside your account dashboard or email our policy desk directly. We verify your identity first, then provide a full export of your data within 30 days.

Yes. Send a deletion request via the policy form. We will remove data that is not required to be kept under Indian law. Records tied to legal retention obligations will be anonymised rather than deleted, and we will notify you of that distinction.

Every UPI and Paytm transaction is logged with a timestamp, amount and payment-rail reference. These records are held for the legally required retention period and can be included in a data-access export on request.

We use session cookies for login, preference cookies to remember your lobby layout and analytics cookies to measure page performance. You can accept, reject or customise each category from the cookie settings panel in the site footer.

Contact our live chat team immediately if you notice suspicious activity — unrecognised logins, unexpected transactions or changed account details. We can freeze account access within minutes while we investigate and verify ownership.

Routine policy questions via live chat are answered in real time during support hours. Formal written queries sent to our email policy desk receive a response within 72 hours; data-access and deletion requests are completed within 30 days.

Your Rights and Our Commitments at lotare

Reach Us on Any Legal or Policy Matter

Email Policy Desk

Live Chat

Policy Request Form

Security, Retention and Your Account Rights

Data Collection

Cookie Use

Account Security

Data Retention

Your Access Rights

Requesting Changes

Common Questions About Our Legal Terms

01 What law governs my lotare account?

02 How do I request a copy of my personal data?

03 Can I ask for my data to be deleted?

04 How are UPI and Paytm transactions recorded in your system?

05 What cookies does lotare use and how do I manage them?

06 How do I report a security concern about my account?

07 How long does it take to receive a response to a policy query?

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