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How m440i Handles Your Personal Data

At m440i, we collect only the information needed to run your account securely and process transactions via UPI, Paytm or PhonePe — nothing more.

Data collected at account level onlyUPI, Paytm, PhonePe transaction records securedRight to access your data at any timeRetention periods clearly definedContact path for data requests
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m440i How m440i Handles Your Personal Data
DATA REQUEST CONTACTS

Reach Us About Your Privacy

If you want to access, correct or delete the personal data we hold, our privacy team is reachable through multiple channels. We aim to respond to all data-related requests within 72 hours of receipt, and complex deletion requests are handled within 30 days in line with applicable Indian law.

Team online

Email Privacy Team

Send your data access or deletion request to our dedicated privacy address. Include your registered mobile number so we can locate your account records without delay.

Live Chat Support

Open the live chat window inside your account dashboard and select the Privacy topic. Our agents can raise a formal data request ticket on your behalf during chat hours.

In-App Help Centre

The Help Centre inside the m440i mobile app has a Privacy section where you can submit a written data enquiry. Submissions are logged and tracked with a reference number.

HOW WE PROTECT YOU

Data Handling, Cookies and Account Security

We apply multiple layers of protection across your account data — from the moment you complete a UPI deposit to the point your withdrawal clears.

Data Storage and Encryption

All account data is stored on servers with AES-256 encryption at rest. Payment identifiers linked to UPI, Paytm or PhonePe are tokenised so raw account numbers are never stored in our database in plain text.

Cookie Policy

We use session cookies to keep you logged in and analytics cookies to understand which lobby sections you visit most. You can adjust cookie preferences in your browser at any time without losing access to your account.

Account Security Practices

Two-step login verification is available for all accounts. When a new device attempts to sign in, a one-time code is sent to your registered mobile number before access is granted, reducing unauthorised entry risk.

Data Retention Periods

We keep your account data for as long as your account remains active plus an additional period required by Indian financial record-keeping law. Once that period lapses, data is deleted from live systems and archived records.

Third-Party Data Sharing

Personal data is shared with payment processors — such as UPI networks, Paytm or PhonePe — only to the extent required to complete a transaction. No marketing or analytics third party receives identifiable account data.

Your Right to Request Changes

You may request a copy of the data we hold, ask us to correct inaccuracies, or request deletion. Submit your request via email or the in-app Help Centre; we confirm receipt within one business day and resolve within 30 days.

Your Privacy Questions, Clearly Answered

We have compiled the questions our account holders ask most frequently about this privacy policy. Each answer reflects how m440i actually operates — not generic boilerplate — so you know precisely where you stand with your personal data.

We collect your name, email, mobile number and payment identifiers such as your UPI handle or Paytm-linked number. This is the minimum needed to verify your identity and process transactions on your account.

No. We do not sell or rent your personal information to any advertiser or marketing partner. Data is shared only with payment processors like UPI networks, Paytm and PhonePe solely to complete your transactions.

We retain your records for the period required by applicable Indian financial and data law after account closure. Once that mandatory period ends, your data is permanently deleted from our live systems and any archives.

Yes. Submit a data access request via our privacy email or through the in-app Help Centre. We confirm receipt within one business day and provide a complete data export within 30 days of your request.

Contact our privacy team by email or live chat, referencing your registered mobile number. Correction requests are handled within 15 days; full deletion requests are completed within 30 days where permitted by applicable law.

We use session cookies for login continuity and analytics cookies for lobby performance. You can disable analytics cookies in your browser settings at any time; session cookies are required for your account to function correctly.

Payment identifiers are tokenised immediately on receipt — raw UPI handles or PhonePe numbers are never stored in plain text. All stored data uses AES-256 encryption, and access is restricted to authorised processing systems only.

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