Explore Where This Policy Applies
This policy applies to your d12 account, your device data, cookie tags, support messages, and the records created when you move money in or out. Where local law permits access, we process only the data needed to run the account, verify identity, resolve disputes, and meet
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record-keeping duties. If a rule in your region requires a different retention period or a different notice, that local rule controls. When you use UPI, Paytm, PhonePe, or Google Pay, we may store transaction references, time stamps, status updates, and reversal details. We keep those records
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for reconciliation and checks, then remove, mask, or archive them once the legal or operational reason ends. If you ask for a correction or copy, we may confirm the request through your account or another verified route before acting.
Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.