Reference

Your Rights and Our Obligations at a37

a37 operates under a clearly defined set of legal terms that govern every account, transaction and interaction on this platform.

Jurisdiction-Aware TermsData Protection PolicyAccount & Wallet RulesDispute Resolution PathCookie & Tracking Policy

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How Our Legal Terms Apply to You

a37 Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

Our terms of use take effect the moment you open an account with a37 and apply to every session, deposit and withdrawal you make. Access to our platform depends on local law and is available only where permitted in your region of India. Deposits made via

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UPI, Paytm or PhonePe are processed under the same contractual framework as all other account activity, meaning every rupee moved through your wallet is subject to these terms. We reserve the right to update terms when regulatory or operational circumstances require it, and we will notify
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you through your registered account before material changes take effect. If you continue using the platform after a policy update, that constitutes your acceptance of the revised terms. Disputes arising from these terms are subject to arbitration under applicable Indian law.

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

LEGAL CONTACT PATHS

Reach Us About Any Legal or Policy Matter

If you have a question about our terms, want to understand how a specific clause affects your account, or need to raise a formal legal concern, our support channels are open around…

Email Legal Support Send a detailed written query to our legal support address. We acknowledge within 24 hours and aim to provide a substantive response within three working days for account or policy matters.

Live Chat Open a live chat session from any page on a37.club for immediate assistance. Our agents can escalate policy questions directly to the compliance desk during your session.

Account Help Centre Your account dashboard includes a help centre where you can log formal queries, track their status and download copies of correspondence relevant to your legal or data requests.

DATA AND SECURITY

How a37 Handles Your Data and Account Security

We apply concrete technical and administrative controls to protect the data you share with us. Here is exactly how each area of data handling and account security works on our platform.

Data Collection Scope

We collect only what is necessary to operate your account — name, contact details, payment identifiers and session activity. We do not sell or share this data with third-party marketers under any circumstances.

Cookie Practices

We use session cookies to keep you logged in, analytics cookies to understand how the lobby is used, and preference cookies to remember your settings. You can manage cookie consent from the settings panel in your account.

Account Security Controls

Every account is protected by encrypted login credentials and optional two-factor authentication. Suspicious login attempts trigger an automatic lock and an alert to your registered contact before any action is taken.

Data Retention Policy

We retain your account data for as long as your account remains active and for a statutory period thereafter, as required under applicable Indian financial record-keeping rules. Inactive accounts are flagged for review after a defined period.

Your Right to Request Changes

You may request a copy of the personal data we hold, ask us to correct inaccuracies, or request deletion where there is no legal obligation to retain it. Submit requests through the Account Help Centre or via email.

Compliance Contact

Our compliance team handles data, legal and regulatory correspondence. Address formal written requests to the compliance desk via the email listed in the Account Help Centre for a documented, traceable response.

Answers to Common Legal and Policy Questions

Here are the questions we receive most often about our terms, data rights and account policies. Each answer is specific to how a37 operates for accounts in India, where access depends on local law and is available where local law permits.

Your account agreement is governed by applicable Indian law. Any dispute that cannot be resolved through our internal process is referred to arbitration under the relevant Indian statutory framework, conducted in English.

No. We notify you through your registered account before any material term change takes effect. Continuing to use the platform after the notified date constitutes acceptance. Minor administrative updates may not require advance notice.

We collect identity details you submit at registration, contact information, payment identifiers such as your linked UPI or Paytm details, device metadata and session activity logs — only what is needed to operate and secure your account.

Log a data access request through the Account Help Centre or email the compliance desk. We will assemble and deliver a readable copy of your account data within the timeframe required under applicable Indian data protection rules.

Yes, where no legal obligation requires retention. Submit a deletion request to our compliance team. We will confirm what can be deleted immediately and what must be held for the statutory retention period under Indian financial law.

Raise the dispute through the Account Help Centre with the transaction reference and date. Our payments team reviews UPI and PhonePe transaction records directly and aims to respond within two working days with a documented outcome.

Access depends on local law in your state. We make the platform available where local law permits and apply regional restrictions automatically. Check your account dashboard for the availability status applicable to your location.

Your Rights and Our Obligations at a37

Reach Us About Any Legal or Policy Matter

How a37 Handles Your Data and Account Security

Data Collection Scope

Cookie Practices

Account Security Controls

Data Retention Policy

Your Right to Request Changes

Compliance Contact

Answers to Common Legal and Policy Questions

01 Which law governs my account agreement with a37?

02 Can a37 change its terms without telling me?

03 What personal data does a37 collect from my account?

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

05 Can I ask a37 to delete my account data?

06 How does a37 handle a payment dispute involving UPI or PhonePe?

07 Is my account available across all states in India?

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