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How dl21 Handles Your Personal Data

At dl21, we are transparent about every piece of data we collect from you — from account creation details to payment records linked with UPI, Paytm and PhonePe.

Data Collected TransparentlyUPI, Paytm, PhonePe Payment RecordsYour Right to Access & CorrectIndia-Applicable JurisdictionDirect Contact for Data Requests

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What This Policy Covers on dl21

dl21 Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

This policy applies to all data processed when you interact with dl21.net, whether you are browsing the lobby, creating an account, or completing a transaction via UPI, Paytm or PhonePe. We collect identity details such as your name and email at registration, device and browser data

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for security purposes, and transaction metadata each time a payment is processed. Data handling at dl21 is governed by applicable Indian law and relevant data-protection principles. Access to our platform and the applicability of this policy depend on local law and are available where local law
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permits. We do not sell your personal data to third parties for marketing purposes, and we limit sharing to service providers who are contractually bound to protect it.

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

REACH OUR PRIVACY TEAM

Contact dl21 About Your Data

If you have questions about this policy, want to request a copy of your data, or need to report a concern about how your information has…

DATA PROTECTION PRACTICES

How We Safeguard What You Share

Beyond the legal framework, dl21 applies concrete technical and organisational measures to keep your data secure at every stage — from the moment you enter your UPI ID at checkout to the…

Encrypted Data Storage

All personal and financial data — including payment details linked to Paytm, PhonePe and UPI — is stored using encryption at rest. Only authorised staff with a documented need can access stored records, and access is logged.

Cookie Usage and Consent

We use session cookies to keep you logged in and analytics cookies to understand how you navigate dl21.net. You can adjust cookie preferences at any time through the settings panel without affecting your core account functions.

Account Security Measures

Account access is protected by password hashing and optional two-factor authentication. Suspicious login attempts trigger automatic alerts to your registered email, giving you immediate notice of any unauthorised access attempt.

Data Retention Periods

We keep your account data for as long as your account remains active and for a defined period after closure, as required by applicable financial regulations in India. After that window, data is securely deleted or anonymised.

Third-Party Data Sharing

We share data only with payment processors handling your UPI, Paytm and PhonePe transactions, and with fraud-prevention services. Every third party signs a data-processing agreement before receiving any account or transaction information.

Requesting Changes to Your Data

You may request access to, correction of, or deletion of your personal data at any time by contacting our privacy team. We will verify your identity before processing any change request, and confirm completion in writing once done.

Frequently Asked Privacy Questions

Here are the questions we receive most often about data handling at dl21. If your question is not covered below, reach out to our privacy team directly through email or live chat and we will respond within 48 hours.

We collect your name, email address, date of birth, and contact number at registration. When you transact via UPI, Paytm or PhonePe, we also record payment metadata such as transaction IDs and amounts. Device and IP data are logged for security purposes.

Payment data is encrypted in transit using TLS and encrypted at rest in our secure database. We do not store full payment credentials — only the transaction reference and amount needed to reconcile your account balance and comply with Indian financial regulations.

Yes. Send a data-access request to our privacy team email with your registered account name and a copy of a government-issued ID. We will compile and deliver your data within 15 business days in a readable format, at no charge.

We retain account and transaction records for the period required by applicable Indian financial and anti-money-laundering laws after account closure. Once that mandatory period expires, your data is securely deleted or rendered permanently anonymous.

We do not sell your personal data. Sharing is limited to payment processors for UPI, Paytm and PhonePe transactions, fraud-prevention partners, and regulatory bodies where disclosure is legally required. All third parties operate under contractual data-protection obligations.

Contact our privacy team via email or live chat with your correction or deletion request. We verify your identity first, then process the change and confirm in writing once complete. Deletion requests affecting mandatory financial records may be partially fulfilled subject to legal retention requirements.

We use essential session cookies to keep your account active and analytics cookies to improve site performance. Non-essential cookies can be disabled through the cookie-preference panel on dl21.net. Disabling analytics cookies does not affect your ability to log in or make transactions.

How dl21 Handles Your Personal Data

Contact dl21 About Your Data

How We Safeguard What You Share

Encrypted Data Storage

Cookie Usage and Consent

Account Security Measures

Data Retention Periods

Third-Party Data Sharing

Requesting Changes to Your Data

Frequently Asked Privacy Questions

01 What personal data does dl21 collect when I open an account?

02 How is my UPI or Paytm payment data protected?

03 Can I request a full copy of the data dl21 holds about me?

04 How long does dl21 keep my account information after I close my account?

05 Does dl21 sell or share my data with third-party advertisers?

06 How do I ask dl21 to correct or delete my personal data?

07 What cookies does dl21 use and can I turn them off?

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