Reference

Legal Terms for Your Account

y95 keeps the legal position clear so you can check what applies before you open an account.

India lawAccess checksData handlingCookie useChange requests

Where Local Law Sets the Rules

y95 Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

Our legal position is simple: local law decides whether you can access the account from your region, and our page rules follow that law. If a clause here does not fit the law that applies to you, we apply the local rule to that point and

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keep the rest of your account record in place. For changes, closures, or stored-copy requests, we may ask for proof that the message comes from you before we edit data or share records. If your request touches a transaction entry, UPI, Paytm, PhonePe, or Google Pay
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references help us find the right line faster. These chips are shown here as context only; the legal position itself does not depend on a payment rail.

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

REQUEST PATHS

How to Reach Our Legal Team

If you need a legal reply, use the channel that matches your request. The in-account form is best for account-linked changes, email works when you need a written trail, and escalation keeps…

In-account form Send access, correction, or record requests from the help form inside your account. That lets us match the request to your profile before we change anything or share stored details.

Email follow-up Use email when you need a written trail for a correction, closure request, or cookie question. Add your account ID and the date range so we can locate the right record.

Escalation desk If the first reply does not solve the matter, ask for escalation. We route legal requests to the team that handles access, retention, and changes, and we keep the thread open until it is closed.

PRIVACY PRACTICE

How We Handle Data and Cookies

We keep this area focused on how records move through the account. That means limited storage, access checks before a change, and cookies only for session and language memory.

Data records

We keep only the records needed to run your account, answer legal requests, and meet local duties. That may include sign-in logs, request history, and payment references when you ask us to locate a transaction.

Cookies on your device

We use cookies to keep sessions active, remember language choices, and reduce repeat logins. You can clear them in your browser, but some parts of the page may ask you to sign in again.

Account security checks

When you ask for a change, we may confirm identity through in-account messages or a follow-up email. This protects your profile from changes made by someone else using your device or address.

Record retention

We retain legal and account records only for as long as needed for support, dispute handling, tax, or other local duties. After that period, we remove or anonymise them according to the rule that applies.

Change requests

You can ask for a correction, a copy of stored details, or closure of unused access. Tell us what you want changed, and we will respond after checking the account owner.

Contact trail

If your request concerns UPI, Paytm, PhonePe, or Google Pay activity, include the reference number and date. That helps us match the record and reply with the right line from our logs.

Common Legal Questions for y95

These questions cover the points that usually matter before you open an account or send a change request. The answers stay close to access, cookies, data use, record matching, and local law so you can see what happens next without digging through another page. If your situation is tied to a transaction, include the date and reference in the same message.

Access depends on local law. If local law permits your use, you can open an account and proceed; if it does not, we do not provide access from that location. We check requests against the region tied to your account.

We keep only the account and log records needed for access, support, fraud checks, and legal duties. If you ask for a correction, we may keep the earlier record for audit purposes before updating the visible field.

Yes. Send a request through the in-account form or email thread, and we will share the stored fields tied to your profile after verifying that you control the account.

Cookies keep you signed in, remember settings, and help pages load with the same language on the next visit. If you clear them, you may need to sign in again and reset preferences.

If your request touches UPI, Paytm, PhonePe, or Google Pay activity, share the transaction reference and date. That lets us match the line in our logs and answer faster.

We keep records only for the period needed for account handling, legal duties, and support follow-up. After that, we remove or anonymise the data unless local law asks us to keep it longer.

Tell us what you want corrected, updated, or closed, and send the request from the account channel tied to your profile. We will confirm the change once ownership checks pass.

Legal Terms for Your Account

How to Reach Our Legal Team

How We Handle Data and Cookies

Data records

Cookies on your device

Account security checks

Record retention

Change requests

Contact trail

Common Legal Questions for y95

01 Can I use y95 from my state?

02 What data do you keep?

03 Can I get a copy of my stored details?

04 How do cookies affect my session?

05 How do you handle payment records in legal requests?

06 How long do you keep records?

07 How do I ask for a change?

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