Reference

Terms & Conditions That Govern Your Account

These Terms & Conditions set out the rules that apply every time you access 5paisa and use any feature available on the platform.

Account EligibilityFund Handling RulesDispute ResolutionPlatform Access ConditionsJurisdiction Clause

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What These Terms Cover and How They Apply

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

5paisa operates under terms that are governed by applicable Indian law. Access to any feature on the platform — including deposits via UPI, Paytm, or PhonePe — is conditional on your acceptance of these Terms & Conditions in their entirety. Eligibility to use the platform depends

1
on local law and is available where local law permits. We may update these terms at any time; the revised version becomes effective the moment it is published on this page. Continued use of your account after a revision constitutes acceptance of the updated terms. If
2
any clause is found unenforceable in your jurisdiction, the remaining clauses continue to apply in full.

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

CONTACT PATHS

Reach Us About Any Terms Query

If a clause in these Terms & Conditions is unclear, or if you believe a decision made on your account conflicts with the terms you accepted, our support team can walk you…

Live Chat Our live chat channel connects you to a support agent who can reference the specific clause in your query. Available seven days a week during standard support hours for account-related terms disputes.

Email Support Send your terms query to our dedicated support address. Include your account ID and the clause number in question so we can route your message to the right team and respond without back-and-forth delays.

Help Centre Our Help Centre carries a structured breakdown of each major clause — account rules, fund handling, dispute steps — so you can check the exact wording that applies to your account situation before contacting support.

HOW WE HANDLE THIS

Data, Security and Account Practices Under These Terms

The Terms & Conditions set concrete obligations on how 5paisa handles your account data, secures your funds, and manages access.

Data Retention

We retain your account data for the period required by applicable Indian law. After that period, data is deleted or anonymised. You may request a copy of your stored data at any time through the support email channel.

Cookie Policy

The platform uses session cookies to keep your account logged in and functional cookies to remember your language and currency settings. You can adjust cookie permissions in your browser, though some platform features require session cookies to work correctly.

Account Security

Two-factor authentication is available on every account and strongly encouraged under the terms. If you suspect unauthorised access, you are required under clause 3.4 to notify support immediately so the account can be frozen pending verification.

Fund Handling

Funds held in your account wallet are ring-fenced from operational funds as set out in clause 5. Withdrawals via UPI, Paytm, or PhonePe are processed after identity verification checks are completed on our end.

Requesting Term Changes

You cannot alter the standard terms unilaterally, but if you believe a specific clause should not apply to your account due to a legal exemption in your region, submit a written request via email with supporting documentation for review.

Who to Contact

For formal terms-related correspondence — including data access requests or dispute escalations — address your message to the legal team using the dedicated email listed in clause 11 of the terms document on this page.

Frequently Asked Questions on These Terms

These questions cover the clauses our account holders ask about most often. Each answer references the relevant section of the Terms & Conditions so you can verify the exact wording yourself.

Yes. Completing the account-opening process on 5paisa constitutes your acceptance of these Terms & Conditions. You cannot access any platform feature — including deposits via UPI or Paytm — without first accepting them in full.

We publish the updated version on this page and, where practical, notify you by email. Continuing to use your account after the revision date means you accept the new terms. You may close your account if you do not agree.

Eligibility depends on local law and is available where local law permits. You are responsible for confirming that accessing the platform is lawful in your state or territory before opening an account under these terms.

Submit a written request via our support email with your account ID. Under the data-handling clause in these terms, we will provide a copy of your stored data within the period required by applicable Indian law.

Contact support through live chat or email referencing the specific clause you believe was applied incorrectly. If the dispute is not resolved at support level, clause 9 sets out the formal escalation and arbitration steps available to you.

No clause is waived by inaction on our part. Any waiver must be issued in writing by the 5paisa legal team. A single instance of not enforcing a clause does not mean that clause has been permanently removed from your account agreement.

These terms are governed by the laws of India applicable to your account region. Dispute resolution follows the steps in clause 9, which sets out jurisdiction, arbitration venue, and the process for escalating unresolved queries formally.

Terms & Conditions That Govern Your Account

Reach Us About Any Terms Query

Data, Security and Account Practices Under These Terms

Data Retention

Cookie Policy

Account Security

Fund Handling

Requesting Term Changes

Who to Contact

Frequently Asked Questions on These Terms

01 Do I have to accept the Terms & Conditions to open an account?

02 What happens if the Terms & Conditions are updated after I open my account?

03 Who is eligible to hold an account under these terms?

04 How can I request a copy of my personal data held by 5paisa?

05 What is the process if I dispute a decision made under these terms?

06 Can any clause in these Terms & Conditions be waived by mutual agreement?

07 Which law governs these Terms & Conditions and where are disputes resolved?

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