Reference

Open and clear terms for your account

At 3rd, we keep our legal commitments straightforward — your account, your data and the rules that govern both are documented here without jargon.

Account TermsPrivacy PolicyCookie PolicyData RetentionJurisdiction Clause
3rd Open and clear terms for your account
CONTACT OUR TEAM

Reach us on any legal or policy matter

If you have a question about our terms, a data request, or need to escalate a policy concern, our team handles these through three direct channels.

Email Support Send your legal query or data access request to our policy team by email. We acknowledge within 24 hours and keep you updated at each stage of the process until resolution.
Live Chat Our chat team can escalate policy and account-rights questions to the legal team in real time. Available during standard India business hours; after-hours messages are queued for the next shift.
Account Help Centre Your account dashboard contains a dedicated legal and privacy section where you can submit formal requests, download your data, or flag a concern for our compliance desk to review.
HOW WE HANDLE IT

See how 3rd protects your data and account

From the moment you open an account, we apply layered security practices to protect what belongs to you.

Data Handling

We collect only the data required to operate your account — name, contact details and transaction records. We do not sell your personal data to third parties. Your records are held on encrypted servers with access restricted to authorised personnel.

Cookie Policy

We use session cookies to keep you logged in and analytics cookies to measure which pages perform well. You can manage or withdraw cookie consent at any time through the cookie settings panel in your account preferences.

Account Security

Two-factor authentication is available for all accounts and strongly encouraged. Login attempts from unrecognised devices trigger a verification step before access is granted, reducing the risk of unauthorised entry to your wallet.

Data Retention

We retain account and transaction records for the period required by applicable Indian financial and tax regulations. After that retention window closes, data is securely deleted or anonymised in line with our documented schedule.

Your Rights

You can request a copy of all personal data we hold about you, ask us to correct inaccuracies, or request deletion where no legal retention obligation applies. Submit these requests through the legal section of your account dashboard.

How to Request Changes

To update your personal details, email our policy team with your account ID and the specific change required. We verify your identity first, then process the amendment within 5 working days and confirm completion by email.

What you asked about our legal terms

These questions come directly from account holders who wanted clarity on their rights, how we use their data, and what happens when they close an account. We have answered each one plainly so you know exactly where you stand before and after opening an account with us.

Your account is governed by applicable Indian law. Where our platform terms and Indian regulation conflict, Indian law takes precedence. Eligibility to hold an account depends entirely on the laws in force at your location.

We collect your name, contact details, date of birth and transaction history. This is the minimum required to operate your account, process UPI, Paytm or PhonePe payments, and meet our record-keeping obligations under Indian financial regulation.

Submit a data access request through the legal section of your account dashboard or by emailing our policy team with your account ID. We verify your identity first, then deliver your data file within 7 working days of that verification.

Yes, where no legal retention obligation applies we will delete your data on request. Certain records — such as transaction logs — must be retained for the period required by Indian financial and tax rules, after which they are securely deleted.

We use session cookies for account access and analytics cookies to understand page performance. You can withdraw or adjust cookie consent at any time through the cookie settings panel inside your account preferences without affecting your ability to log in.

After you close your account, we retain your records only for the period mandated by applicable Indian law. Once that window expires, your data is securely deleted or anonymised. You will receive a confirmation email when the process is complete.

Contact our policy team by email or through the live chat channel marked for legal and compliance matters. If you remain unsatisfied after our internal process, you retain the right to approach the relevant Indian regulatory authority for your concern.