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How bullwin Handles Your Personal Data

At bullwin, we take the privacy of your account data seriously — from the moment you register to every transaction you make via UPI, Paytm or PhonePe.

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What This Privacy Policy Covers

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

This privacy policy applies to all personal data processed by bullwin in connection with your account, including data collected during registration, during deposits via UPI, Paytm or PhonePe, and during any support interactions. We process your data only for the purposes described here and only where

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doing so is permitted under applicable Indian law. Where local regulations require us to limit the scope of data use or extend additional rights to you, those provisions apply automatically. We do not sell your personal data to third parties. Data shared with payment processors —
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such as UPI networks, Paytm or PhonePe — is limited to what is strictly necessary to complete your transaction. You remain in control of your account data and may exercise your rights at any time by contacting our privacy team directly.

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

PRIVACY CONTACT PATHS

Reach Our Privacy Team Directly

If you have a question about how your data is used, want to correct an inaccuracy, or wish to request deletion of your account information, our privacy support team is available around…

Email Privacy Team Send your data access, correction or deletion request to our dedicated privacy email address. We aim to acknowledge every request within one business day and resolve it within 72 hours.

Live Chat Support Open the live chat widget inside your bullwin account to speak with a support agent about any privacy concern. Live chat is available around the clock, including weekends and Indian public holidays.

In-App Help Centre Navigate to Settings then Privacy inside your account dashboard to find pre-filled request forms for data access, portability and erasure. Submissions go directly to our compliance team without needing an email.

DATA HANDLING PRACTICES

Inside bullwin: How We Protect Your Data

We handle your personal data through a set of consistent, auditable practices — from encrypted storage to controlled retention windows.

Data Encryption at Rest and in Transit

All account data — including your name, contact details and payment history with UPI or Paytm — is encrypted using AES-256 at rest and TLS 1.3 in transit. No data moves between systems in plain text at any point.

Cookie Use and Browser Data

We use session cookies to keep you logged in and analytics cookies to understand how pages perform. You can manage cookie preferences from the privacy panel in your account settings at any time without affecting core functionality.

Account Security Measures

Your account is protected by password hashing, two-factor authentication options and automated alerts for unusual login activity. We never store raw passwords, and our security team reviews access logs on a rolling basis.

Data Retention Windows

We retain your account data for as long as your account is active and for a defined period after closure, as required by applicable Indian financial regulations. Once the retention period lapses, data is permanently deleted from our servers.

Who Can Access Your Data

Internal access to your personal data is restricted to teams with a direct operational need — such as payment processing for PhonePe transactions or fraud review. All staff with data access are bound by confidentiality agreements.

How to Request Changes or Erasure

Submit a data change or erasure request via live chat, email or the in-app form in Settings. We verify your identity before acting on any request and confirm completion in writing, typically within 72 hours of verification.

Your Privacy Questions, Clearly Answered

The questions below cover the most common concerns about how bullwin collects and uses your personal data, your rights under this policy, and how to act on those rights. If your question is not listed here, our privacy team is reachable via live chat inside your account.

We collect your name, email address, mobile number and, where required by law, identity verification documents. Payment data — such as your UPI ID or Paytm wallet reference — is recorded only to process and verify your transactions.

We share data only with payment processors (UPI networks, Paytm, PhonePe) and with service providers bound by data protection agreements. We do not sell your personal information to any third party under any circumstances.

We retain account data for a period mandated by applicable Indian financial and anti-fraud regulations after account closure. Once that period ends, your data is permanently deleted and cannot be recovered.

Yes. Submit a data access request via the in-app privacy form, live chat or email. After verifying your identity, we will compile and deliver a structured copy of your personal data within the timeframe required by applicable law.

Open a support chat or use the in-app settings form, describe the inaccuracy, and our team will review and correct it within 72 hours. For identity document corrections, additional verification may be needed before changes are applied.

Only the reference identifiers needed to match a transaction to your account are stored — not full card or wallet credentials. Payment authentication is handled directly by the UPI network, Paytm or PhonePe on their secure infrastructure.

Navigate to Settings then Privacy in your account dashboard, or contact our privacy team via email. Withdrawing consent may affect features that depend on that data; we will notify you of any impact before processing your request.

How bullwin Handles Your Personal Data

Reach Our Privacy Team Directly

Inside bullwin: How We Protect Your Data

Data Encryption at Rest and in Transit

Cookie Use and Browser Data

Account Security Measures

Data Retention Windows

Who Can Access Your Data

How to Request Changes or Erasure

Your Privacy Questions, Clearly Answered

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

02 Does bullwin share my data with third parties?

03 How long does bullwin keep my account data after I close my account?

04 Can I request a copy of all the data bullwin holds about me?

05 How do I ask bullwin to correct inaccurate information in my account?

06 Are my UPI and PhonePe payment details stored on bullwin servers?

07 How do I withdraw consent for data processing I previously agreed to?

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