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How yj-12 Handles Your Personal Data

At yj-12, we are clear about what personal data we collect from you, why we collect it, and exactly how it is kept secure throughout your account lifetime.

Transparent Data CollectionUPI & Paytm Transaction PrivacySecure Account StorageYour Right to Access DataIndia-Region Policy Scope

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What Data We Collect and Why

yj-12 Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

When you open an account at yj-12, we collect the details you provide during registration — name, email address, mobile number and, where applicable, payment identifiers linked to UPI, Paytm or PhonePe. We also record transactional data each time a deposit or withdrawal is processed through

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those rails, so we can verify the movement of funds accurately. Device identifiers, IP addresses and session logs are gathered automatically to keep your account secure and to detect irregular activity. All collection is limited to what is genuinely necessary for operating your account. We do
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not sell your personal data to third-party marketers. Access to this platform and its data practices is available where local law permits.

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

PRIVACY CONTACT PATHS

Reach Us About Your Privacy Rights

If you want to request a copy of your data, ask us to correct inaccurate records, or raise a concern about how your information has been handled, our support channels are open…

Email Privacy Desk Send your data request or privacy concern to our dedicated email address. We aim to acknowledge every email within 24 hours and resolve the request within 7 working days from receipt.

Live Chat Support Start a live chat session directly from your account dashboard. Our agents can log a formal data request on your behalf and confirm the timeline for its resolution while you are still connected.

In-App Support Ticket Submit a support ticket through the yj-12 mobile interface. Tickets create a written record of your request, which is useful if you need to follow up or escalate later through your registered email.

HOW WE PROTECT YOU

Data Handling, Cookies and Account Security

Every measure we apply — from encryption to cookie controls — is designed to keep your account data accurate, accessible only to you, and protected from unauthorised access.

Encryption in Transit and at Rest

All data you submit — including UPI references and PhonePe transaction IDs — is encrypted using TLS during transfer and AES-256 at rest. No raw payment credentials are stored on our servers after the transaction completes.

Cookie Controls and Consent

We use strictly necessary cookies to keep your session active and analytics cookies to understand how pages are navigated. You can withdraw consent for non-essential cookies at any time through the cookie settings panel in your account.

Data Retention Periods

Account registration data is held for the duration your account is active and for a period thereafter as required by the jurisdiction in which you access this service. Transaction logs linked to Paytm or UPI are retained for audit purposes in line with applicable local law.

Who Has Access to Your Data

Access to personal data inside yj-12 is restricted to staff roles that require it — account verification, payment processing and fraud prevention. Third parties who process payments on our behalf are bound by data-processing agreements before any data is shared.

Requesting Changes to Your Records

You can request correction or deletion of your personal data by contacting our privacy desk. We will verify your identity before actioning any change and confirm the outcome in writing within the timeframe stated in our formal acknowledgement.

Account Security Practices

Two-factor authentication is available on your account and we recommend enabling it. Suspicious login attempts trigger an automatic email alert to your registered address so you are notified promptly and can reset credentials if needed.

Common Questions About Your Privacy at yj-12

The questions below address the most common concerns we receive about data collection, your rights as an account holder, and how to act on those rights. If your question is not covered here, our live chat and email privacy desk are available every day.

We collect your name, email address, mobile number and government-issued identity details needed for verification. Payment references linked to UPI, Paytm or PhonePe are recorded only to match deposits and withdrawals to your account accurately.

We share data only with payment processors — such as the gateways handling UPI and Paytm transactions — and identity-verification partners. Each third party signs a data-processing agreement. We do not sell your data to advertisers or unrelated third parties.

Submit a data-access request through live chat or our privacy email desk. We will verify your identity, then send a structured copy of the data we hold linked to your account within 7 working days of confirming your request.

Yes. You can request deletion by contacting our privacy desk. We will remove data that we are not legally required to retain. Transaction logs tied to Paytm or PhonePe payments may be kept for the period required under applicable local law before deletion.

We use session cookies to keep you logged in and analytics cookies to measure page performance. Non-essential cookies require your consent and can be switched off at any time through the cookie settings panel accessible inside your account dashboard.

Retention periods depend on the legal requirements in the jurisdiction where you access the platform and local law permits. After that period lapses, personal data is deleted or anonymised. You can ask us to confirm the specific retention period that applies to your account.

Contact our support team immediately via live chat so we can freeze the account and investigate. We will send a written update within 24 hours. Enabling two-factor authentication in your account settings also helps prevent unauthorised access going forward.

How yj-12 Handles Your Personal Data

Reach Us About Your Privacy Rights

Data Handling, Cookies and Account Security

Encryption in Transit and at Rest

Cookie Controls and Consent

Data Retention Periods

Who Has Access to Your Data

Requesting Changes to Your Records

Account Security Practices

Common Questions About Your Privacy at yj-12

01 What personal data does yj-12 collect when I open an account?

02 Does yj-12 share my data with other companies?

03 How can I access a copy of my personal data?

04 Can I ask yj-12 to delete my account data?

05 What cookies does yj-12 use and how do I control them?

06 How long does yj-12 keep my data after I close my account?

07 What should I do if I think my account data has been accessed without my permission?

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