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Our Legal Terms, Your Rights Explained

coolmatka operates under a defined legal framework that sets out your rights, our obligations, and the rules governing your account — all written for clarity, not confusion.

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coolmatka Our Legal Terms, Your Rights Explained
LEGAL CONTACT PATHS

Reach Us for Legal and Policy Queries

If you have a question about our terms, a data request, or a concern about how your account information is handled, our legal support team is reachable through the channels below.

Email — Legal Team Send formal legal requests, data access queries or policy clarification questions to our dedicated legal email address. We log all correspondence and aim to reply within five working days of receipt.
Live Chat — Policy Support Our live chat handles general policy questions in real time. For account-data requests or formal complaints, we will escalate your chat to the legal team and follow up by email with a reference number.
Written Request — Data Rights Submit a written request if you want to access, correct or delete personal data we hold. Include your registered account email and the nature of your request. Processing takes up to 30 days under applicable law.
ACCOUNT SECURITY STANDARDS

How coolmatka Handles Data and Account Safety

We apply encryption at rest and in transit to all account data, including payment details linked to UPI, Paytm and PhonePe.

Data Encryption

All personal and financial data — including UPI IDs and linked Paytm or PhonePe details — is encrypted using current-standard protocols both when stored and when transferred between systems.

Cookie Policy

We use session cookies to keep you logged in and analytics cookies to understand which pages are visited most. You may adjust cookie preferences via the consent banner shown on your first visit to the site.

Data Retention Schedule

Account records are retained for as long as your account is active, plus an additional period required by applicable law. After that period, data is deleted or anonymised unless a legal hold applies.

Your Right to Access

You may request a full export of the personal data we hold about your account. Submit the request in writing to our legal team; we will compile and deliver it within 30 days of verification.

Account Security Practices

Two-step verification is available on your account settings page. We also monitor login activity for unusual patterns and will notify you by email if access from an unfamiliar device or location is detected.

Dispute and Complaint Process

Formal complaints must be submitted in writing to the legal team. We acknowledge within 48 hours, investigate within 14 days and communicate the outcome in writing before any resolution is applied to your account.

Your Policy and Rights Questions, Addressed

The questions below cover the legal matters we hear about most often — from data rights and account eligibility to how our terms are updated and what happens when you close an account. If your question is not here, our legal support team is reachable through the contact paths in the section above.

These terms apply to anyone who creates an account on coolmatka and accesses the platform where local law permits. Eligibility depends on your location and the applicable laws in your jurisdiction at the time of access.

We publish all term updates on this page with a clear revision date at the top. Continued use of your account after the published effective date constitutes your acceptance of the updated terms. For material changes, we also send an email notification.

Yes. Submit a written data access request to our legal team including your registered account email. We will verify your identity and deliver a full data export within 30 days, as required under applicable data protection law.

We retain account records for a period mandated by applicable law after account closure. Once that period ends, data is permanently deleted or anonymised. The exact retention window is stated in our full Privacy Policy document.

Transaction records linked to UPI, Paytm or PhonePe are kept for the period required by financial and tax law in the applicable jurisdiction. You may request a copy of your transaction history through our written data request process.

Submit your complaint in writing to the legal team via email, stating your account details and the nature of the concern. We acknowledge within 48 hours and aim to resolve and communicate an outcome within 14 days of receipt.

We share data only with service providers necessary to operate the platform — such as payment processors for UPI and PhonePe — and only under data processing agreements that bind them to the same standards we apply internally.

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