Reference

Terms and Conditions That Govern Your m440i Account

Before you open an account or place any activity on m440i, these terms and conditions set out the rights, obligations, and boundaries that apply to every interaction between…

Jurisdiction-Dependent AccessUPI & Paytm Deposit RulesAccount Ownership PolicyFair Use ObligationsAmendment Notice Commitment

Explore the Lobby Read FAQ

What These Terms Cover and Who They Apply To

m440i Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

These terms and conditions apply to every account registered on m440i and govern how you may use our lobby, wallet, and support channels. By creating an account, you confirm that you have read and accepted these terms in full. We reserve the right to update them;

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when we do, we will notify you via email or an in-platform message before changes take effect. Your continued use of the platform after a notified change constitutes acceptance of the revised terms. Eligibility to hold an account is strictly subject to the laws applicable in
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your location — if local law in India does not permit participation, you must not register. Transactions processed via UPI, Paytm, and PhonePe are additionally subject to the policies of those payment services.

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

REACH OUR TEAM

Contact Us About Your Terms and Conditions Query

If any clause in these terms and conditions is unclear, or if you believe a decision has been applied incorrectly to your account, our support team is available to clarify matters and escalate where needed. Reach us through any of the channels below.

Team online

Live Chat Support

Open a chat session from your account dashboard at any hour. Our agents can explain any clause in the terms and conditions, walk through account-specific decisions, and flag disputes for the compliance desk within the same session.

Email Disputes Desk

Send a detailed message to our disputes address for written record of your concern. We aim to respond within 48 hours, and all correspondence related to terms and conditions queries is logged and retained for your reference.

Help Centre Articles

Our self-service help centre contains plain-language summaries of the most frequently questioned clauses, including account closure, fund-return timelines, and what happens when local law changes affect your access eligibility.

HOW WE HANDLE THIS

Data, Security and Account Practices Under These Terms

Understanding how m440i applies these terms in practice — from data retention to account security — gives you a clear picture of your rights and our obligations.

Data Retention Policy

We retain your account data for the period required by applicable law and our internal audit obligations. You may request a summary of what we hold at any time by contacting the support desk with your registered email address and account number.

Cookie Usage Scope

Our platform uses session cookies for login persistence and analytics cookies to understand how you navigate the lobby. You can adjust cookie preferences in your browser settings; disabling certain cookies may limit some account features.

Account Security Standards

Your account is protected by password hashing and, where you enable it, two-factor authentication. Under our terms, you are solely responsible for keeping your login credentials confidential; any activity under your credentials is treated as authorised by you.

Transaction Record Access

Every UPI, Paytm, and PhonePe transaction is logged against your account wallet. You can download a full transaction history from the account section; these records are what we use if a deposit or withdrawal query is raised under these terms.

Requesting Account Changes

To update personal details such as your registered mobile number or email address, submit a verified request through live chat or email. Identity re-verification is required before changes take effect, in line with our security obligations under these terms.

Account Closure Procedure

You may request account closure at any time via the support desk. Pending withdrawals are processed to your PhonePe or UPI account before closure is finalised. We retain transaction records post-closure for the period our legal obligations require.

Common Questions About Our Terms and Conditions

These questions address the clauses that account holders most frequently ask about. If your question is not listed here, the support team can interpret any specific section of the terms and conditions for your situation.

No. Our terms and conditions permit only one account per person. Operating multiple accounts is a breach of these terms and may result in all linked accounts being suspended and balances held pending an audit of the activity involved.

If you choose not to accept a material update to our terms, you may close your account before the change takes effect. Any cleared balance in your wallet will be returned to your verified UPI or Paytm account within the standard withdrawal window.

Contact our support desk by email with your registered account details and a data-access request. We will compile and deliver a summary of the data we hold within 30 days, in line with applicable data-protection obligations under our terms.

The core account terms apply equally regardless of which payment method you use. PhonePe, Paytm, and UPI each carry their own service policies, and our terms require you to comply with those third-party policies in addition to ours.

Our terms specify the governing jurisdiction in the full legal document available in your account section. Access and eligibility are always subject to local law in India; where local law does not permit participation, these terms do not create any right of access.

No. We are obligated under our own terms to notify you of material changes by email or in-platform message before they take effect. Minor clarifications may be made without notice, but any change affecting your rights will be communicated in advance.

Open a dispute via live chat or email our disputes desk with the relevant account activity and date. Our compliance team reviews disputes against the applicable clause and responds in writing, usually within 5 business days of receiving your complete submission.

Terms and Conditions That Govern Your m440i Account

Contact Us About Your Terms and Conditions Query

Live Chat Support

Email Disputes Desk

Help Centre Articles

Data, Security and Account Practices Under These Terms

Data Retention Policy

Cookie Usage Scope

Account Security Standards

Transaction Record Access

Requesting Account Changes

Account Closure Procedure

Common Questions About Our Terms and Conditions

01 Can I hold more than one account on m440i?

02 What happens to my account balance if m440i updates its terms and I do not accept?

03 How do I request access to the personal data m440i holds about me?

04 Are these terms and conditions different for accounts that use PhonePe?

05 What law governs these terms and conditions?

06 Can m440i change the terms without my knowledge?

07 How do I dispute a decision made under these terms and conditions?

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