Reference

yj-12 Terms That Govern Your Account

Before you open an account on yj-12.com, these terms and conditions form the legally binding agreement between you and us — covering account use, funds handling, content access…

Binding on account creationJurisdiction-dependent accessIndia-specific conditions applyUPI & Paytm wallet rules includedUpdated terms notified by email

Explore the Lobby Read FAQ

What These Terms Cover and Who They Apply To

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

These terms apply to every account opened on yj-12.com and govern how you interact with our platform, including deposits via UPI, Paytm and PhonePe, withdrawals, account security and content access. By completing account registration, you confirm that you have read, understood and agreed to these conditions

1
in full. Where any clause conflicts with local Indian law, local law takes precedence and we will apply it accordingly. We reserve the right to amend these terms at any time; continued use of your account after a notified change constitutes acceptance of the revised terms.
2
You are responsible for checking this page periodically for updates.

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

TERMS CONTACT PATHS

Reach Us About These Terms

If any clause in these terms and conditions is unclear, or you need to raise a concern about how we have applied them to your account, our support team is available around…

Live Chat Start a live chat session directly from your account dashboard to ask about a specific clause, account restriction or policy change that affects your use of yj-12.

Email Support Send a detailed query to our terms support address. Include your registered account ID so our team can check exactly which policy version applies to your account at the time of your query.

Help Centre Our Help Centre hosts the current version of these terms alongside FAQs explaining key clauses in plain language, so you can cross-reference any section without waiting for a reply.

HOW WE HANDLE YOUR ACCOUNT

Data, Security and Your Rights Under These Terms

These terms set clear obligations on both sides — what we commit to keeping secure, what data we retain and for how long, and exactly how you can exercise your rights at…

Account Data Retention

We retain your account data for the period required under applicable Indian law. Once that period expires and your account is closed, personal data is deleted or anonymised within 30 days per our data handling policy.

Cookie Use Disclosure

Our terms require us to disclose all cookie categories we use — session cookies for login security, analytics cookies for site performance and preference cookies for your saved lobby settings. You can manage these in account settings.

Account Security Obligations

Under these terms, you are responsible for keeping your login credentials confidential. If you suspect unauthorised access, you must notify us immediately via live chat so we can freeze the account and investigate within one hour.

Dispute Resolution Process

Any dispute arising from these terms must first be submitted to our internal resolution team. We aim to provide a written decision within seven business days, with all correspondence retained on your account record.

Amendment Notification

When we update these terms and conditions, we send a notification to the email address registered on your account at least seven days before changes take effect, giving you time to review the updated clauses.

Right to Request Changes

You may request correction of inaccurate personal data held under your account at any time by contacting our data team via email. We process correction requests within five business days and confirm changes in writing.

Your Questions About These Terms Answered

The questions below address the clauses our account holders ask about most often. If your question is not covered here, our live chat team can pull up the exact term that applies to your account and explain it directly.

These terms become binding the moment you complete account registration on yj-12.com. Continuing to use your account after any notified update also constitutes your acceptance of the revised version of these terms.

We can amend these terms at any time, but we are required to notify you via your registered email at least seven days before changes take effect. If you do not accept the changes, you must close your account before the effective date.

Once your account is closed, we retain your data only for the period required under applicable Indian law. After that retention period ends, your personal data is deleted or anonymised within 30 days as stated in the terms.

All deposits and withdrawals via UPI, Paytm and PhonePe are subject to the funds handling clauses in these terms. Those clauses set out processing timelines, reversal conditions and any fee disclosures applicable to each payment method.

Submit a written dispute to our internal resolution team via email or live chat, referencing the specific clause you are contesting. We aim to provide a written decision within seven business days of receiving your submission.

Yes. Access to certain features depends on local law and is available only where local law permits. Any clause that conflicts with applicable Indian law is superseded by that law, and we apply the local legal standard in those cases.

Contact our data team by email with your account ID and the specific correction you need. We process all correction requests within five business days and send written confirmation once the change has been applied to your account record.

yj-12 Terms That Govern Your Account

Reach Us About These Terms

Data, Security and Your Rights Under These Terms

Account Data Retention

Cookie Use Disclosure

Account Security Obligations

Dispute Resolution Process

Amendment Notification

Right to Request Changes

Your Questions About These Terms Answered

01 When do these terms and conditions become binding on me?

02 Can yj-12 change these terms without my agreement?

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

04 How do the terms apply to my UPI or PhonePe transactions?

05 What should I do if I disagree with how a term has been applied to my account?

06 Are there any terms specific to Indian account holders?

07 How do I request a correction to the personal data yj-12 holds on my account?

Related Pages