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Your Rights and Our Legal Commitments

dearchart operates under a defined legal structure that governs how your account, personal data, and transactions are handled — access and eligibility depend on local law and are…

Jurisdiction-Aware TermsData Handled Under PolicyAccount Rights ProtectedUPI & Paytm Transactions CoveredContact Paths Always Open

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What Our Legal Terms Actually Cover

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

Our legal terms apply from the moment you open an account and cover every interaction you have with dearchart — from deposits via UPI, Paytm, or PhonePe through to withdrawal verification and account closure. The terms define which jurisdiction's law governs disputes, how cookies function across

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your session, and the conditions under which we retain or delete account data. Access to our platform is conditional on local law where you are located; if local law does not permit participation, these terms do not create an entitlement. We update our policy when regulatory
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conditions change, and we notify account holders via registered email before any material change takes effect. You can review the current version of these terms at any time from this page.

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

LEGAL CONTACT PATHS

How to Reach Us on Legal Matters

If you have a question about your rights under our terms, a data request, or a formal legal enquiry, three contact paths are available.

Email Support Send formal legal or data-related queries to our dedicated legal address. We aim to acknowledge receipt within 24 hours and resolve standard requests within seven working days from confirmation of your identity.

Live Chat Start a live chat session from any page on dearchart.net and select the Legal or Privacy topic. Our agents can log your request in real time and escalate it immediately to the compliance team if needed.

Account Portal Log in to your account and navigate to Settings to submit a data access or deletion request directly. Requests submitted here are timestamped automatically and tracked against our response commitment window.

DATA AND ACCOUNT SECURITY

How dearchart Handles Your Data and Account

We maintain clear, documented practices across data storage, cookie use, account security, and retention periods so you can verify exactly how your information is managed and exercise your rights at any time.

Data Storage

Account information and transaction records are stored on encrypted servers. We do not sell your personal data to third parties, and access within our organisation is restricted to teams with a verified operational need.

Cookie Policy

We use session cookies to keep you logged in and analytics cookies to understand how pages are used. You can adjust cookie preferences at any time through the cookie settings panel accessible in the site footer.

Account Security

Two-step verification is available for all accounts. Suspicious login attempts trigger an automatic hold and an alert to your registered email, after which our security team reviews the event before access is restored.

Data Retention

We retain account records for the period required by applicable law in your jurisdiction. Once that period lapses and your account is closed, personal data that is no longer legally required is deleted from active systems.

Your Rights

Where local law grants data access, correction, or deletion rights, you can exercise them by contacting us through the account portal or by email. We will confirm your identity before processing any data-change request.

Policy Change Notices

Material changes to these terms are communicated by email to your registered address at least 14 days before they take effect. Continued use of the account after that date constitutes acceptance of the updated terms.

Common Legal and Policy Questions

If something in our terms is unclear, the answers below address the questions we hear most often. For anything not covered here, reach our legal contact path directly and we will respond within the committed window.

Yes. Access and eligibility depend on local law and are available where local law permits. If the laws in your specific state or region restrict participation on platforms like ours, those restrictions apply to your access.

We collect the information you provide during registration — name, contact details, and payment identifiers such as your UPI handle or linked Paytm number — plus session and transaction data generated when you use the platform.

Yes. Submit a data access request through the account portal under Settings, or email our legal address. We will verify your identity first, then deliver your data summary within the timeframe set by applicable law.

Close your account and submit a deletion request via the account portal or by email. We will remove personal data that we are not legally required to retain. Some records must be kept for the period prescribed by applicable law.

Our terms specify the governing jurisdiction. The applicable law depends on where dearchart is incorporated and where you are located. The terms page always carries the current, version-dated governing law clause for reference.

Yes. We send an email to your registered address at least 14 days before any material change takes effect. The updated terms are also posted here with a version date so you can compare the previous and current versions.

All payment transactions — deposits via UPI, Paytm, or PhonePe and subsequent withdrawals — are governed by the transaction terms in our legal agreement. Those terms outline dispute procedures, processing timelines, and reversal conditions.

Your Rights and Our Legal Commitments

How to Reach Us on Legal Matters

How dearchart Handles Your Data and Account

Data Storage

Cookie Policy

Account Security

Data Retention

Your Rights

Policy Change Notices

Common Legal and Policy Questions

01 Does access to dearchart depend on where I am located in India?

02 What personal data does dearchart collect when I open an account?

03 Can I request a copy of all data dearchart holds about me?

04 How do I ask dearchart to delete my personal data?

05 Which law governs disputes between me and dearchart?

06 Will I be notified if the legal terms change?

07 How are payments like UPI and PhonePe covered under the legal terms?

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