Reference

How sk40 Handles Your Personal Data

This Privacy Policy sets out exactly what personal data sk40 collects when you open an account, how we use it, and the controls you hold over it.

Data collected with your consentStored on secure serversNo sale to third partiesYour right to access or deleteContact us anytime

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What This Policy Covers and Where It Applies

sk40 Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

sk40 processes personal data in accordance with applicable privacy law. Access to our platform depends on local law and is available where local law permits — if you are in India, this policy governs how we handle your account information, transaction records and browsing data collected

1
through our site. Data related to payment activity — including UPI reference numbers, Paytm wallet identifiers and PhonePe transaction tokens — is retained only as long as required for financial record-keeping obligations. We do not store full card numbers or sensitive authentication credentials beyond the moment
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a transaction is verified. If the law in your region changes and affects how we may process your data, we will update this policy and notify you through your registered account.

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 exercise any of your data rights — access, correction, deletion or portability — our privacy team is reachable through three channels. We aim to acknowledge every request within 48 hours and resolve it within 30 days of receipt.

Team online

Email Our Data Team

Send your data request or privacy concern to our dedicated address. Include your registered account email so we can verify your identity before acting on the request. We respond within 48 hours on working days.

Live Chat Support

Open the chat widget inside your account dashboard and select the Privacy topic. An agent will log your request and escalate it to the data team with a reference number so you can track progress.

Postal Address

For formal written requests, you may send a signed letter to our registered address. This route is suited to legal notices. Please include a copy of a government-issued ID for identity verification.

DATA HANDLING PRACTICES

How We Protect and Manage Your Account Data

We have structured our data practices around six core areas so you always know the current state of your information with us.

Data Collection at Account Opening

When you open an account, we collect your name, email address, mobile number and country of residence.

Cookie and Tracking Use

We use session cookies to keep you logged in and analytics cookies to understand which pages load slowly.

Payment Data and UPI Records

UPI, Paytm and PhonePe transactions generate reference tokens that we store for reconciliation and fraud-prevention purposes.

Account Security and Encryption

Your password is hashed using a one-way algorithm before storage — we cannot read it.

Data Retention Periods

Active account data is retained while your account remains open.

Your Right to Request Changes

You may request a copy of all data we hold on you, ask us to correct inaccurate fields, or ask…

Common Questions About Your Privacy at sk40

The questions below are the ones our account holders ask most often about their data. If something is not covered here, reach out to our privacy team using any of the contact paths on this page and we will respond within two working days.

We collect your name, email address, mobile number, country of residence and the device identifiers used when you log in. Payment method tokens such as UPI reference IDs are also stored for transaction reconciliation, but sensitive credentials like PINs are never collected.

We do not sell your personal data. We share it only with service providers who operate under strict data-processing agreements — such as payment processors for UPI and Paytm settlements — and with regulatory bodies when required by applicable law.

Transaction records are kept for the period required under applicable financial regulations. Personal fields unrelated to financial records — such as your communication preferences — are deleted once your account closure is processed and the statutory window has passed.

Yes. Submit a data-access request through email, live chat or postal address — all listed on this page. We will verify your identity, compile a structured data export and send it to your registered email within 30 days of receiving the request.

Contact our privacy team with a deletion request. We will close your account, remove personally identifying fields and confirm completion in writing. Some transaction records may be retained for the minimum period required by financial law before permanent deletion.

We use essential cookies to keep your session active and analytics cookies to track page-load performance. No advertising-network cookies are loaded without your consent. You can review and update your cookie preferences in the settings section of your account dashboard.

Reach our data-protection team by email or live chat first — most issues are resolved quickly. If you are not satisfied with our response, you may escalate to the relevant data-protection authority for your jurisdiction, as permitted under local law.

How sk40 Handles Your Personal Data

Reach Our Privacy Team Directly

Email Our Data Team

Live Chat Support

Postal Address

How We Protect and Manage Your Account Data

Data Collection at Account Opening

Cookie and Tracking Use

Payment Data and UPI Records

Account Security and Encryption

Data Retention Periods

Your Right to Request Changes

Common Questions About Your Privacy at sk40

01 What personal data does sk40 collect from my account?

02 Does sk40 share my data with third parties?

03 How long does sk40 keep my data after I close my account?

04 Can I request a copy of all the data you hold about me?

05 How do I ask sk40 to delete my personal data?

06 How does sk40 use cookies on the site?

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

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