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Your Rights and Our Commitments at 1rk

Everything that governs your account — from how we store your data to the conditions under which you can access our lobby — is set out here in…

Jurisdiction-Aware TermsData Handling TransparencyAccount Security StandardsUPI & Paytm Policy ComplianceClear Contact Pathways
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1rk Your Rights and Our Commitments at 1rk
POLICY CONTACT PATHS

Reach Us on Legal and Policy Matters

If you have a question about our terms, need to exercise a data right, or want to dispute a policy decision on your account, these are the direct channels we monitor for…

Legal Queries by Email Send detailed policy or data-rights requests to our compliance address. We aim to acknowledge within 24 hours and resolve within 7 working days, depending on the complexity of the request.
Live Chat for Account Terms Our chat support handles account-level term clarifications in real time. Available daily during business hours; raise your account ID at the start so the agent can pull your record immediately.
Postal Correspondence For formal legal notices or regulatory correspondence, written communication via post is accepted. Response timelines for postal matters extend to 14 working days from receipt and acknowledgement.
ACCOUNT SECURITY STANDARDS

How 1rk Handles Data, Cookies and Account Access

We handle your personal data under principles of purpose limitation and minimal retention — we keep what we need for your account to function and for statutory compliance, and nothing more.

Data We Collect

We collect your name, contact details, and payment identifiers when you register. Transaction records tied to UPI, Paytm, or PhonePe deposits are retained for statutory compliance periods and then purged on a rolling schedule.

Cookie Use

Session cookies keep you logged in across pages; analytics cookies help us understand which sections of the lobby see the most activity. You can adjust cookie preferences in your account settings at any time without losing your session.

Account Security

Passwords are hashed, not stored in plain text. We apply two-factor verification on login attempts from unrecognised devices and flag unusual access patterns for a manual security review before allowing further transactions.

Data Retention

Active account data is retained for the lifetime of your account plus the statutory period required under applicable Indian law. If you close your account, transactional data is archived for the legally mandated duration, then deleted.

Who Handles Your Data

Your data is processed by 1rk's internal compliance team and, for payment verification, by the respective payment processor — UPI, Paytm, or PhonePe. We do not sell personal data to third parties for marketing purposes.

Requesting Changes or Deletion

To update your personal details or request account data deletion, use the email channel listed in the contact section above. Include your registered email and account ID so our team can locate your record and confirm the action.

Answers to Common Legal and Account Policy Questions

These questions come directly from account holders asking about their rights, how we use their data, and what happens at various stages of the account lifecycle. If your question is not covered here, the support channels above are the right next step.

Yes. Access to our platform depends on local law and is available only where your state or territory permits it. We recommend checking your local regulations before opening an account or making any deposit via UPI or Paytm.

We collect your name, email address, phone number, and the payment identifiers associated with your chosen method — UPI ID, Paytm wallet, or PhonePe number. We collect only what is required to run your account and meet statutory obligations.

Email our compliance address with your registered email and account ID. We will compile your data record and send it to you within 7 working days. The response covers account details, transaction history, and any correspondence on file.

You can request deletion after closing your account. We will remove your personal data once the statutory retention period required under applicable Indian law has elapsed. We will confirm the deletion timeline in writing when you submit the request.

We send a notification to the email address registered on your account before material changes take effect. Continued use of the account after the effective date constitutes acceptance of the updated terms. Minor wording clarifications may not trigger a direct email.

Payment data is shared only with the processor handling your transaction — UPI, Paytm, or PhonePe — and only to the extent required to complete and verify the transaction. We do not pass payment details to unrelated third parties or marketing services.

Contact us immediately via live chat or email with your account ID. Our security team will freeze account activity while conducting a review, reset your credentials, and document the incident. We aim to complete the initial review within 4 working hours.

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