Reference

Terms That Govern Your fri99 Account

Q: How do I raise a formal dispute under these terms?

Submit your dispute in writing via email to support@fri99.net or through the in-app message centre. Include your account number, the transaction ID if relevant, and a clear description of the issue. We commit to a written response within five business days.

These terms and conditions set out the rules under which you hold an account with fri99 — covering what you agree to when you join, how your wallet…

Account Eligibility — where local law permitsWallet & Withdrawal RulesUPI, Paytm, PhonePe TermsDispute & Closure RightsGoverning Law — India

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What These Terms Cover and Where They Apply

fri99 Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

These terms apply exclusively to accounts registered on fri99.net and are governed by applicable Indian law. Access to and use of the platform is available only where local law permits, and it is your responsibility to confirm that using this platform is lawful in your state

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or territory. The terms cover account creation, identity verification, wallet funding through UPI, Paytm and PhonePe, withdrawal processing, account suspension and closure. We may update these terms at any time; the revised version becomes effective the moment it is published on this page. If you continue
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using your account after a change is published, that constitutes your acceptance of the updated terms. Disputes arising from these terms shall be subject to the jurisdiction of Indian courts, and all amounts are denominated in Indian Rupees.

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

REACH OUR POLICY TEAM

Contact fri99 About These Terms

If any clause in these terms is unclear, or if you wish to raise a dispute or request a formal copy of the terms as they stood on a specific date, our…

Live Chat Available every hour of every day through the chat icon on fri99.net — average first response under two minutes for account and terms-related queries during peak India hours.

Email Support Write to us at [email protected] with your registered account email in the subject line. We aim to send a full written response to terms-related questions within 24 hours of receipt.

In-App Messages Log in and navigate to Account then Messages to raise a terms query directly tied to your account record. This channel creates a timestamped thread you can reference in any future dispute.

HOW WE HANDLE YOUR ACCOUNT

Data, Security and Your Rights Under These Terms

fri99 applies specific practices to keep your account data accurate and your wallet secure. The six points below explain the concrete steps we take across data handling, cookies, account security, retention periods…

Data Handling

We collect only the information required to verify your identity and process transactions. Your KYC documents are encrypted at rest using AES-256 and are never sold or shared with third parties outside of mandatory regulatory disclosures.

Cookie Policy

We use session cookies to keep you logged in and analytics cookies to improve page performance. You can adjust cookie preferences from the settings panel at any time without affecting your ability to access the lobby or your wallet.

Account Security

Two-factor authentication is available on your account and we strongly recommend enabling it. All login attempts from new devices trigger an email alert to your registered address so you are informed before any session begins.

Retention Period

We retain your account data for the period required under Indian financial regulations. After your account is closed, transaction records are held for a minimum of five years before being permanently deleted from our systems.

Who to Contact

For all formal data requests — including access, correction or deletion — write to our Data Officer at [email protected]. Please include your account number and the nature of your request so we can route it correctly.

Requesting Changes

If you spot an error in your account details — name, address or linked payment method like Paytm or PhonePe — you can submit a correction request through Account Settings or via email. We process corrections within five business days and confirm by email.

Common Questions About fri99 Terms and Conditions

The questions below address what account holders in India ask most frequently about their rights, how these terms interact with their wallet activity, and what to do if they disagree with a decision we have made under these terms.

These terms apply to every account registered on fri99.net where local law permits its use. It is your responsibility to check that accessing the platform is lawful in your specific Indian state or union territory before creating an account.

We may update these terms at any time and will publish the revised version on this page with a new effective date. Continued use of your account after the update is published constitutes acceptance. We aim to notify you by email for material changes.

If your account is suspended for a breach of these terms, your wallet balance is held pending investigation. Funds deposited via UPI, Paytm or PhonePe that are not subject to forfeiture under these terms will be returned to the original payment source.

Submit your dispute in writing via email to [email protected] or through the in-app message centre. Include your account number, the transaction ID if relevant, and a clear description of the issue. We commit to a written response within five business days.

You have the right to request a copy of the personal data we hold about you by emailing [email protected]. We will provide a structured response within 30 days. You may also request correction of inaccurate data or deletion where no legal retention obligation applies.

These terms are governed by the laws of India. Any dispute that cannot be resolved through our internal process is subject to the jurisdiction of the competent Indian courts, with all proceedings conducted in English.

Active account data is held for as long as your account remains open. After closure, transaction and identity records are retained for a minimum of five years to comply with Indian financial regulations, after which they are permanently deleted from our systems.

Terms That Govern Your fri99 Account

Contact fri99 About These Terms

Data, Security and Your Rights Under These Terms

Data Handling

Cookie Policy

Account Security

Retention Period

Who to Contact

Requesting Changes

Common Questions About fri99 Terms and Conditions

01 Do these terms apply to me if I am in India?

02 Can fri99 change these terms without notice?

03 What happens to my UPI or Paytm funds if my account is suspended?

04 How do I raise a formal dispute under these terms?

05 What rights do I have to access my personal data?

06 Which law governs these terms and conditions?

07 How long does fri99 keep my account and transaction records?

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