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Your Rights and Our Legal Commitments

At q20, our legal framework sets out clearly what you can expect from us and what we ask of you when you open and operate an account.

Jurisdiction-aware termsAccount holder rightsData & privacy policyDispute resolution pathPolicy change notice
q20 Your Rights and Our Legal Commitments
LEGAL CONTACT PATHS

Reach Us on Any Legal or Policy Matter

If you have a question about our legal terms, a dispute about a transaction processed via UPI, Paytm or PhonePe, or a request to access your personal data, our support team has…

Email Support Send formal legal queries, data access requests and account-closure notices to our legal inbox. We acknowledge receipt within 24 hours and resolve most policy matters within two working days.
Live Chat Our chat agents are available around the clock for account-level questions about terms, wallet disputes and payment records. Complex legal matters are escalated to the compliance desk from chat.
Help Centre The q20 Help Centre contains published versions of all current policies, past revision histories and step-by-step paths for raising a formal complaint or data subject request without needing to contact an agent.
ACCOUNT SECURITY PRACTICES

How We Protect Your Data and Account

Security and transparency in how we handle your personal data are not optional extras — they are built into how q20 operates.

Data Encryption

All data transmitted between your device and q20.asia is encrypted using current TLS standards. Account credentials, payment details from UPI or Paytm sessions, and identity documents are stored in encrypted form on secured servers.

Cookie Policy

We use session cookies to keep you logged in and analytics cookies to understand which pages you visit. You can manage cookie preferences from your browser settings; opting out of analytics cookies does not affect your ability to use the platform.

Data Retention

Account data is retained for as long as your account remains open and for a legally required period after closure. Transaction records, including PhonePe and UPI payment logs, are kept for the period mandated by applicable financial regulations.

Access Requests

You have the right to request a copy of the personal data we hold about you. Submit a written request to our legal inbox and we will supply a structured data export within the timeframe required by law in your jurisdiction.

Account Security

We recommend enabling two-factor authentication on your q20 account. If you suspect unauthorised access, contact live chat immediately — our team can freeze the account wallet within minutes to prevent further transactions while we investigate.

Correction Requests

If you believe any personal data we hold is inaccurate, you can request a correction through the Help Centre form or by emailing the legal inbox. We will update verified corrections and notify you once the change is applied.

Legal Policy Questions Answered

Below are the questions we receive most often about our terms, account rights and data practices. If your question is not answered here, our support team is available via live chat or email for any legal matter related to your account.

Our terms apply wherever local law permits you to access q20.asia. It is your responsibility to confirm that using the platform is lawful in your state or territory within India before opening an account.

Yes. Send a written data access request to our legal inbox. We will compile and supply a structured export of the personal data we hold on your account within the legally required timeframe for your jurisdiction.

Raise the dispute within 30 days of the transaction date by contacting live chat or emailing the legal inbox with your transaction ID. We review wallet logs and respond with a resolution within two business days.

After closure, we retain your account and transaction data for the period required by applicable financial and legal regulations. Once that retention period expires, data is securely deleted from our systems.

We post a notice on this page at least 14 days before a material change takes effect. Continuing to use the platform after that date signals your acceptance of the updated terms. You may close your account if you do not agree.

We store transaction references and amounts as part of your wallet record, but we do not store your full PhonePe credentials or bank account details. Payment authentication happens through the payment provider's own secure gateway.

Use the correction request form in the Help Centre or email the legal inbox with the specific data you believe is inaccurate. We verify the request and apply confirmed corrections, then notify you by email once done.