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How 5paisa Handles Your Personal Data

At 5paisa, we collect only what we need to run your account — name, contact details, payment identifiers — and we keep it secured behind encryption and strict…

Data encrypted at restNo third-party sale of your dataAccount deletion on requestUPI & Paytm identifiers securedIndia-region data handling

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Jurisdiction, Consent and What We Collect

5paisa Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

This privacy policy applies to all accounts opened on 5paisa.net and is governed by applicable Indian data-protection law. When you deposit using UPI, Paytm or PhonePe, we record the transaction reference and the masked payment identifier — never the full UPI PIN or wallet password. We

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collect device identifiers and session data to detect unauthorised access and to keep your account secure. Consent is obtained at registration and can be reviewed in your account settings at any time. Where local law requires additional disclosures or restricts certain data processing, those requirements take
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precedence. Access to specific platform features depends 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.

REACH OUR PRIVACY TEAM

Contact Us About Your Data

If you want to access, correct or delete the personal data we hold about you, our privacy team handles these requests directly.

Email the Privacy Team Send your data-access or deletion request to our dedicated privacy inbox. Include your registered email address so we can verify your identity before processing the request. We aim to respond within 72 hours.

Live Chat Support Our live chat is available around the clock. For privacy queries, select 'Account & Data' from the chat menu and an agent will escalate your request to the privacy team the same day.

Written Request by Post For formal data-subject requests under applicable Indian law, you may submit a written request to our registered address. Include a government-issued ID to allow us to verify your identity securely.

HOW WE PROTECT YOU

Data Handling, Cookies and Account Security

From the moment you open an account, every piece of personal data passes through TLS-encrypted channels. We do not sell your data to advertisers.

Encryption in Transit and at Rest

All data moving between your device and our servers travels over TLS 1.2 or higher. Data stored on our servers — including your payment identifiers linked to UPI or Paytm — is encrypted using AES-256 so that it cannot be read even if storage media is accessed.

Cookie Controls

We use strictly necessary cookies to keep your session active and analytics cookies to understand how pages are used. You can opt out of analytics cookies from the cookie-preference panel in your account settings without affecting your ability to log in or transact.

Data Retention Schedule

Account data is held for as long as your account remains active plus the period required by applicable Indian financial regulations. Once that period ends, or upon a verified deletion request, personal identifiers are purged from live databases and queued for removal from backups.

Third-Party Data Sharing

We share data only with payment processors such as UPI network operators, Paytm and PhonePe to complete transactions, and with identity-verification providers required by applicable law. We do not share your data with advertisers or data brokers.

Account Security Measures

Two-factor authentication is available for all accounts and is strongly encouraged. We log each login attempt with device fingerprint and IP so that suspicious activity triggers an automatic security alert sent to your registered email or phone number.

How to Request Changes or Deletion

Submit a request through live chat, email, or written post with proof of identity. Our privacy team verifies your identity, confirms the scope of the request and completes the action within the timeframe required by applicable Indian data-protection law.

Your Privacy Rights — Common Questions

The questions below cover the areas we hear about most often: what data we hold, how payment details like UPI and Paytm references are stored, how to access your data, and what happens when you close your account. If your question is not here, our privacy team is reachable via live chat or email.

We collect your name, email address, mobile number, date of birth, and the payment identifiers you use — such as your UPI ID or Paytm-linked phone number. We do not store your UPI PIN, wallet passwords, or full card numbers.

Payment identifiers are stored in a tokenised, encrypted form. We receive only the transaction reference and a masked identifier from UPI, Paytm and PhonePe — the full credentials never pass through or sit on our servers.

Yes. Submit a data-access request via live chat or email with your registered details. After identity verification, we send a structured copy of your account data within the period mandated by applicable Indian data-protection law.

Contact our privacy team through live chat, email or written post. Once we verify your identity, we delete active records and schedule removal from backups, subject to any retention obligations under applicable Indian financial regulations.

We share data only with payment processors — UPI operators, Paytm, PhonePe — and identity-verification providers required by law. We do not sell or share your data with advertisers, marketing platforms or data brokers.

We retain your data for the period required by applicable Indian financial and anti-money-laundering regulations after account closure. Once that period expires, personal identifiers are purged from live systems and removed from backups.

Log into your account settings to update most details directly. For fields that require verification — such as your registered mobile number — contact our privacy team via live chat or email and we will process the correction after identity verification.

How 5paisa Handles Your Personal Data

Contact Us About Your Data

Data Handling, Cookies and Account Security

Encryption in Transit and at Rest

Cookie Controls

Data Retention Schedule

Third-Party Data Sharing

Account Security Measures

How to Request Changes or Deletion

Your Privacy Rights — Common Questions

01 What personal data does 5paisa collect when I open an account?

02 How are my UPI and Paytm payment details kept secure?

03 Can I request a copy of all the data 5paisa holds about me?

04 How do I ask 5paisa to delete my personal data?

05 Does 5paisa share my data with any third parties?

06 How long does 5paisa keep my account data after I close my account?

07 How can I update or correct personal data held in my account?

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