Reference

How 1rk Handles Your Personal Data

At 1rk, we are clear about what data we collect from your account, why we collect it, and how long we keep it.

Data collected with your consentRetention periods clearly statedAccount data access on requestUPI, Paytm, PhonePe transaction privacyIndia-specific jurisdiction terms

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What This Privacy Policy Covers

1rk Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

This policy applies to all personal data processed when you create or use a 1rk account, including name, email address, device identifiers and payment method references such as your UPI handle or Paytm-linked number. We do not store full card numbers or PhonePe wallet credentials on

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our servers — those are handled by the respective payment processors under their own data terms. Access to and use of our platform depends on local law and is available where local law permits. Data processing is carried out in accordance with applicable Indian data protection
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frameworks, and we update this policy whenever regulatory requirements change. If you access 1rk from a jurisdiction outside India, the terms of your local law may differ.

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

PRIVACY CONTACT PATHS

Reach Our Privacy Team Directly

If you want to request a copy of your data, ask us to correct an error, or raise a concern about how we handle your information, our privacy team is reachable through…

Email Privacy Request Send your data access, correction or deletion request to our dedicated privacy address. Include your registered account email so we can locate your records and respond within 72 business hours.

Live Chat Support Open the live chat window inside your 1rk account and select the Privacy topic tag. A support agent will log your request and escalate it to the privacy team the same day.

Help Centre Form Use the contact form in our Help Centre, choosing the Data and Privacy category. You will receive an automated confirmation immediately and a full response from our privacy team within three working days.

HOW WE PROTECT YOUR ACCOUNT

Data Handling, Cookies and Account Security at 1rk

We apply a layered approach to protecting your account data — from the moment you enter your UPI details through to how long we retain your transaction history after an account is…

Data We Collect

We collect registration details, login timestamps, device type, IP address and payment method references such as your UPI handle. We do not collect payment credentials directly — those stay with Paytm, PhonePe or the UPI processor.

Cookie Usage

We use session cookies to keep you logged in and analytics cookies to understand which pages load slowly on your device. You can disable non-essential cookies via the cookie preference panel in your account settings without affecting your ability to deposit or withdraw.

Account Security Measures

Passwords are stored as salted hashes — never in plain text. Two-factor authentication is available and we send a login alert to your registered email each time your account is accessed from a new device or location.

Data Retention Periods

Active account data is retained for the duration of your account. After you close your account, we keep transaction records for the period required under applicable Indian financial regulations, then delete the rest of your personal data.

Who Has Access

Your data is accessible only to 1rk staff who need it to operate your account — support, finance verification and fraud prevention teams. We do not sell or rent your personal information to third-party marketing companies.

Requesting Changes

You can request a full export of your account data, ask us to correct inaccuracies, or request deletion of your personal information by contacting the privacy team via email or the live chat Privacy tag. We confirm receipt and complete verified requests within seven working days.

Your Questions About Privacy at 1rk

These are the questions our account holders in India ask most often about data privacy. If your question is not covered here, reach us through the privacy contact paths above and we will respond within 72 hours.

We collect your name, email address, phone number, date of birth, device identifiers and payment method references such as your UPI handle or Paytm-registered number. We do not store full payment credentials — those remain with the payment processor.

We share data only with payment processors like Paytm, PhonePe and UPI networks to complete transactions, and with fraud-prevention partners where required. We do not sell your personal data to marketing companies or data brokers under any circumstances.

Email our privacy team from your registered account address and ask for a Subject Access Request. We will compile your account data, transaction history and session logs and send the export to you within seven working days of verifying your identity.

Yes. Contact us via email or the live chat Privacy tag to request deletion. We will remove your personal data after retaining the records that applicable Indian financial regulations require us to keep, then confirm completion to you in writing.

Transaction records are kept for the retention period mandated by applicable Indian financial and anti-money-laundering regulations. Once that statutory period ends, we permanently delete those records from our active systems and backups.

We use session cookies for login continuity and analytics cookies to monitor page performance. Non-essential cookies can be switched off in your account's cookie preference panel at any time. Turning them off will not prevent you from depositing via UPI or withdrawing to Paytm.

Reach our privacy team by email, live chat or the Help Centre form using the Privacy category. If you are not satisfied with our response, you may escalate the matter to the relevant data protection authority under applicable Indian law.

How 1rk Handles Your Personal Data

Reach Our Privacy Team Directly

Data Handling, Cookies and Account Security at 1rk

Data We Collect

Cookie Usage

Account Security Measures

Data Retention Periods

Who Has Access

Requesting Changes

Your Questions About Privacy at 1rk

01 What personal data does 1rk collect when I open an account?

02 Does 1rk share my data with third parties?

03 How can I get a copy of all the data 1rk holds about me?

04 Can I ask 1rk to delete my personal data?

05 How long does 1rk keep my transaction records after I close my account?

06 Does 1rk use cookies and can I turn them off?

07 Who do I contact if I believe my privacy rights have been violated?

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