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Explore the w7nkd Terms and Conditions

These Terms and Conditions set out the agreement between you and w7nkd when you open an account, deposit funds via UPI, Paytm or PhonePe, and access the lobby.

Effective for all India accountsCovers UPI, Paytm, PhonePe transactionsApplies where local law permitsUpdated when material changes occurContact us with any clause questions

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Browse the full scope of these terms

w7nkd Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

These Terms and Conditions govern every interaction you have with w7nkd — from account registration through to withdrawals processed via UPI, Paytm or PhonePe. Access to the platform and its lobby is available where local law in India permits; it is your responsibility to confirm eligibility

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under the rules applicable in your state or territory. w7nkd reserves the right to amend, suspend or close an account where these terms are breached. Any funds held in your wallet at the time of closure will be handled in line with the withdrawal procedures described
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in Section 6. These terms are written in English and take precedence over any translated version. If a clause conflicts with applicable local law, that clause will be read narrowly to restore compliance without affecting the remaining provisions.

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

TERMS CONTACT

Switch to live support for clause queries

If any clause in these Terms and Conditions is unclear, or you need written confirmation of how a particular provision applies to your account, our support team is available around the clock.

Live Chat Open the chat widget inside your account dashboard at any hour. A trained agent will walk through the relevant clause with you and confirm the position in writing on request.

Email Support Send your clause query or formal dispute notice to our support address. We send a tracked acknowledgement within two hours and a full written response within three business days.

In-App Messages Tap the message icon in the w7nkd mobile app to raise a terms question without leaving the lobby. All messages are logged and referenced if you escalate later.

HOW WE HANDLE THIS

Open your account knowing how we protect it

These six areas reflect the practical standards we hold ourselves to under these Terms and Conditions — from how your account data is stored to how you can request a change to…

Data Retention

We retain account data for the period required under applicable Indian financial regulations. After that period, records are securely deleted or anonymised. You may request a copy of your data at any time via email.

Cookie Policy

Cookies on w7nkd track session state, language preference and lobby position only. We do not sell cookie data to third parties. You can manage cookie settings through your browser or the in-app privacy toggle.

Account Security

Your account is protected by password hashing and two-factor verification on login from new devices. If you suspect unauthorised access, contact live chat immediately — we can freeze the account within minutes.

Payment Data Handling

UPI, Paytm and PhonePe transaction references are stored in encrypted logs accessible only to our finance team. We do not store full bank account numbers; only the masked reference ID used for reconciliation.

Who to Contact for Changes

To update your registered name, address or linked UPI handle, submit a change request via email with supporting ID. Changes are processed within five business days and confirmed by email to your registered address.

Dispute and Escalation Path

If you disagree with how a term has been applied to your account, raise a formal dispute via email within 30 days of the decision. We will review and respond in writing within ten business days.

Check common Terms and Conditions queries

The questions below cover the clauses we receive the most queries about — account eligibility, payment terms, data rights and how to challenge a decision. If your question is not here, reach us through live chat or email and we will point you to the exact clause that applies.

Yes. These terms are tied to your registered account, not your physical location. However, access to the platform depends on local law wherever you are — use is permitted only where local law allows it.

We will notify you of material changes by email and an in-app banner at least seven days before they take effect. Continued use of your account after that date constitutes acceptance. Non-material corrections take effect immediately.

Any verified balance will be returned to the payment method used for your most recent deposit — UPI, Paytm or PhonePe — within ten business days of the closure decision, subject to identity verification being complete.

Email our support address with the subject line 'Data Access Request' from your registered email. We will send a structured summary of your account data within 30 days, in line with applicable data protection requirements.

Access to w7nkd is available where local law permits. You confirm when opening an account that you meet all eligibility conditions required under the laws of your state or territory in India. We may ask for verification documents at any time.

Raise a dispute via email within 30 days of the transaction date. Include the reference ID shown in your wallet history. Our finance team will cross-check the encrypted payment log and respond in writing within ten business days.

The English-language version of these Terms and Conditions is always the binding version. Any translated text provided for convenience does not override the English text. In the event of ambiguity, the English clause governs.

Explore the w7nkd Terms and Conditions

Switch to live support for clause queries

Open your account knowing how we protect it

Data Retention

Cookie Policy

Account Security

Payment Data Handling

Who to Contact for Changes

Dispute and Escalation Path

Check common Terms and Conditions queries

01 Do these Terms and Conditions apply to my India account if I am travelling abroad?

02 Can w7nkd change these Terms and Conditions without notice?

03 What happens to funds in my wallet if my account is closed under these terms?

04 How do I request a copy of the personal data w7nkd holds on my account?

05 Are there age or eligibility requirements set out in the Terms and Conditions?

06 How do the Terms and Conditions handle a disputed transaction via UPI or Paytm?

07 Which version of the Terms and Conditions is legally binding if there is a conflict between translations?

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