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How keralagussing Handles Your Personal Data

At keralagussing, we are clear about what personal data we collect, why we collect it, and how we keep it secure across every account interaction.

Data collected with your consentStored on secure serversNo third-party sale of your dataUPI & Paytm transactions protectedIndia-region policy compliance

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What Data We Collect and Why

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

When you open an account with keralagussing, we collect your name, email address, phone number, and payment details necessary to process transactions through UPI, Paytm, and PhonePe. We also record device identifiers and session logs to detect unauthorised access attempts and maintain account integrity. Any data

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tied to your payment activity — such as UPI reference numbers or Paytm wallet identifiers — is retained only as long as required for transaction verification and legal compliance under applicable Indian law. We do not sell, rent, or exchange your personal data with advertisers or
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unrelated third parties. Data shared with payment processors is limited strictly to what is needed to complete your requested transaction. Where local law requires us to retain records for a defined period, we comply fully and delete data once that retention window closes.

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

If you have a question about how we handle your personal data, want to request a copy of your records, or need to raise a concern about data accuracy, our privacy support…

Email Privacy Desk Send your data request or privacy concern to our dedicated email address. We acknowledge receipt within 24 hours and aim to resolve your query within 72 hours, Monday through Sunday.

Live Chat Support Start a live chat directly from your account dashboard to speak with a support agent about your privacy rights. Available during extended hours to cover India Standard Time from morning through late night.

Written Request Form Submit a formal data access or deletion request using the secure form inside your account settings. We verify your identity before processing any request that involves modifying or erasing personal data.

DATA HANDLING STANDARDS

How We Protect and Manage Your Information

Our approach to data protection goes beyond legal obligation — it shapes how we build every feature of your account experience, from deposit flows to session security.

Encrypted Account Storage

All personal data — including your name, contact details, and linked payment methods like UPI and PhonePe — is stored using AES-256 encryption at rest. Encryption keys are rotated on a scheduled basis and access is restricted to authorised personnel only.

Cookie Consent Controls

We use session cookies to keep you logged in and analytics cookies to understand how pages are navigated. You can adjust cookie preferences at any time from the settings panel; withdrawing analytics consent does not affect your account or payment functions.

Payment Data Isolation

UPI handles, Paytm wallet IDs, and PhonePe tokens are stored separately from your profile data in partitioned databases. Payment processors receive only the minimum data needed to complete a transaction, and that data is not retained on their side beyond settlement.

Data Retention Schedule

Account data is retained for the period required under applicable Indian regulation and deleted on a rolling schedule once that window closes. You can request early deletion of non-essential data, and we will action this within 30 days where legally permitted.

Account Security Alerts

Any login from an unrecognised device or location triggers an automatic alert to your registered email or phone number. You can review active sessions inside your account security panel and terminate any session you do not recognise immediately.

Data Access Requests

You have the right to request a full copy of the personal data we hold about you. Submit the request through the written form or live chat, and we will deliver a structured data export to your registered email address within 30 days of identity verification.

Your Privacy Questions, Addressed Directly

These questions cover the situations we hear about most often — from how long we keep your data to what happens when you close your account. If your question is not here, reach our privacy team via the contact paths listed above.

We collect your name, email address, phone number, date of birth, and the payment identifiers you use — such as your UPI handle or Paytm number — to verify your identity and process transactions accurately.

We share data only with payment processors like UPI and Paytm networks to complete transactions, and with regulators when required by law. We do not sell or transfer your personal data to advertisers or unrelated commercial partners.

We retain certain records for the period mandated under applicable Indian law, typically for financial and identity verification purposes. Once that period ends, data is deleted from our systems on a scheduled cycle unless you have an open dispute.

Submit a data access request through the written form in your account settings or via live chat. After we verify your identity, we send a structured export to your registered email within 30 days of confirmation.

Yes. You can request deletion of non-essential data at any time. We action such requests within 30 days where local law permits. Data required for legal compliance or active dispute resolution may be retained until those obligations are fulfilled.

We use session cookies to maintain your login state and analytics cookies to improve page performance. Analytics cookies are optional — you can withdraw consent from settings without any impact on your account or payment functions.

Contact our privacy support team immediately via email or live chat. You can also terminate active sessions from the security panel inside your account. We investigate all reported unauthorised access incidents and respond within 24 hours.

How keralagussing Handles Your Personal Data

Contact Us About Your Data

How We Protect and Manage Your Information

Encrypted Account Storage

Cookie Consent Controls

Payment Data Isolation

Data Retention Schedule

Account Security Alerts

Data Access Requests

Your Privacy Questions, Addressed Directly

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

02 Does keralagussing share my data with third parties?

03 How long is my personal data kept after I close my account?

04 How can I request a copy of the data you hold about me?

05 Can I ask keralagussing to delete my personal data?

06 How do cookies on the site affect my privacy?

07 What should I do if I believe my account data has been accessed without my permission?

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