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Terms and Conditions That Protect You

Before you open an account at 9qqp, read these terms carefully — they set out exactly what you agree to, what we commit to, and how we resolve…

Account EligibilityUPI & Paytm PaymentsDispute ResolutionAccount Termination RightsJurisdiction: India

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What These Terms Cover and Who They Apply To

9qqp Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

These terms govern every interaction between you and 9qqp — from the moment you create an account through to withdrawals processed via UPI, Paytm or PhonePe. By completing registration, you confirm that you have read and accepted all clauses here. We may update these terms from

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time to time; whenever we do, we will post a notice on your account dashboard and the updated version takes effect seven days after that notice. Continued use of your account after that window counts as acceptance. If any clause conflicts with local law in India,
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the local-law requirement will prevail for account holders in that jurisdiction. These terms do not override any applicable consumer-protection regulation that applies to you under Indian law.

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

TERMS CONTACT PATHS

How to Reach Us About These Terms

Email Support Send your terms-related query to our support address and we aim to respond within 24 hours on business days. Include your account ID in the subject line so our team can locate your record quickly.

Live Chat Our live-chat window is available directly inside your account dashboard. If your question concerns a specific clause or a transaction made via UPI or PhonePe, paste the clause reference or transaction ID into the chat.

Help Centre Our Help Centre hosts the full text of these terms alongside plain-language summaries of each section. Search by clause number or keyword to find the paragraph that relates to your situation without waiting for an agent.

HOW WE HANDLE THIS

Our Commitments Under These Terms

Every commitment listed below is enforceable — these are not aspirational statements but the actual standards we hold ourselves to under this agreement and applicable Indian consumer law.

Account Data Retention

We retain your account data only for as long as your account is active or as required by applicable Indian law. Once you close your account, we delete or anonymise personal data within the period specified in our privacy notice.

Cookie Use

Our platform uses session and analytics cookies to keep your account logged in and to measure page performance. You can adjust cookie preferences in your browser at any time; withdrawing consent may affect certain account features.

Account Security

We use encrypted connections for all account pages, including the deposit and withdrawal flows for UPI and Paytm. Two-step verification is available and we recommend you enable it from your account security settings.

Change Notification

Any material change to these terms triggers an in-dashboard notice at least seven days before the change takes effect. You can also request a plain-English summary of what changed by contacting our live-chat team.

Requesting Amendments

If you believe a clause conflicts with your rights under Indian consumer-protection law, write to us at the email address in the Support section. We will review your request and respond within ten business days.

Dispute Escalation

Should a dispute remain unresolved after our internal review, you may escalate to the relevant consumer forum in your Indian state. We will cooperate fully with any such process and provide the records you need.

Frequently Asked Questions About Our Terms

These answers cover the clauses our account holders ask about most. If your question is not covered here, reach us via live chat or email and we will point you to the exact clause.

Yes. Completing the account-creation process at 9qqp confirms that you have read and accepted these terms in full. You cannot proceed to deposit via UPI or Paytm without that acceptance being recorded on your account.

We post a notice inside your account dashboard whenever we update these terms. The notice appears at least seven days before changes take effect, giving you time to review the updated text and decide whether to continue using your account.

Yes. Contact us via live chat or email and we will send you the current version as a downloadable document. Quote your account ID so our team can confirm which version applied to your account at any point in time.

We delete or anonymise your personal data within the period stated in our privacy notice, unless Indian law requires us to retain certain records for a defined period. You can ask our support team for the precise retention schedule before you close.

Yes. Where Indian law applies to your account, these terms operate subject to that law. Any clause that conflicts with mandatory Indian consumer-protection rules will be read in a way that complies with those rules, and access is available where local law permits.

Write to us at the email address in the Support section and describe which clause you dispute and why. We review every submission and respond within ten business days. Unresolved disputes may be escalated to your state consumer forum in India.

Our terms do not override your statutory rights under Indian payment-dispute regulations. If a UPI, Paytm or PhonePe transaction is incorrectly processed, contact our support team and we will open an investigation within 48 hours of your report.

Terms and Conditions That Protect You

How to Reach Us About These Terms

Our Commitments Under These Terms

Account Data Retention

Cookie Use

Account Security

Change Notification

Requesting Amendments

Dispute Escalation

Frequently Asked Questions About Our Terms

01 Do I have to accept these terms to open an account?

02 How will I know if the terms have changed?

03 Can I request a copy of these terms in writing?

04 What happens to my account data if I close my account?

05 Are these terms governed by Indian law?

06 What do I do if I disagree with a clause?

07 Does accepting the terms affect my right to a refund on a disputed UPI transaction?

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