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Our Legal Terms, Your Rights

cowinz operates under a clear set of legal terms that define how we manage your account, protect your data, and handle disputes.

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What Our Legal Terms Cover

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

These terms apply to every interaction you have on cowinz — from creating an account and depositing funds via UPI, Paytm or PhonePe, to placing wagers and requesting withdrawals. Access to our platform depends on local law and is available only where permitted in your region.

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We reserve the right to update these terms; when we do, we notify you through your registered email address. Continued use of the platform after a notice period constitutes acceptance of the revised terms. If any clause conflicts with applicable Indian law, the legally compliant interpretation
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prevails. Your account details, transaction records and communication history are held in accordance with our data retention schedule and applicable data protection standards.

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

LEGAL CONTACT

Reach Our Legal and Compliance Team

If you have a question about these terms, a request related to your personal data, or a formal dispute, our team is available through multiple channels.

Email Send your legal query or data request to our dedicated legal address. Include your registered account email so we can verify your identity and locate your records without delay.

Live Chat Our support agents are available around the clock via live chat and can escalate formal legal requests to the compliance team on your behalf during business hours.

Post For formal notices requiring a written record, you may send correspondence to our registered office address. We acknowledge postal legal notices within five working days of receipt.

ACCOUNT PROTECTION

How We Handle Your Data and Account

Security and transparency are the two pillars of how we run account management at cowinz.

Data Storage

Your personal data — name, contact details and payment references for UPI, Paytm and PhonePe — is stored on encrypted servers. We do not sell or share your data with third parties for marketing purposes.

Cookie Use

We use session and analytics cookies to keep you logged in and understand how pages perform. You can manage cookie preferences in your browser settings at any time without losing account access.

Account Security

Two-factor authentication is available for every account. We also monitor login activity and flag unusual access patterns, sending an email alert to your registered address if something looks irregular.

Data Retention

Transaction and account records are retained for the period required by applicable Indian financial regulations. Once the retention window closes, data is securely deleted unless an active legal matter requires it.

Access Requests

You may request a copy of the personal data we hold on you at any time. Send a written request to our legal email with your account ID and we will respond within the statutory period.

Dispute Resolution

Disputes are handled first through our internal complaints process. If a resolution is not reached within 30 days, you retain the right to pursue remedies available under Indian consumer protection law.

Frequently Asked Legal Questions

These are the legal questions our account holders ask most often. Each answer reflects our current policy; if your situation is more complex, contact the compliance team directly for a personalised response.

These terms apply to anyone who creates or uses an account on cowinz where local law permits. By completing the account creation process, you confirm you have read and accepted these conditions in full.

Yes. Send a written request to our legal email address including your registered account ID. We will compile and deliver your data summary within the timeframe specified by applicable Indian data protection regulations.

Submit a deletion request via email to our compliance team. We will process it once any legally required retention period has passed. We will confirm deletion in writing to your registered email address once complete.

We will email your registered address before any material changes take effect. You have the option to close your account if you do not accept the revised terms before the stated effective date.

We store only the references needed to process and reconcile transactions — not full UPI handles or Paytm credentials. Full payment credentials are handled by the payment processor, not retained on our servers.

Raise a complaint through live chat or email first. Our team aims to resolve it within 30 days. If it remains unresolved, you may seek remedies under Indian consumer protection law applicable to your state.

These terms are governed by Indian law to the extent applicable. Access to cowinz depends on local law and is available only where permitted in your specific region or state within India.

Our Legal Terms, Your Rights

Reach Our Legal and Compliance Team

How We Handle Your Data and Account

Data Storage

Cookie Use

Account Security

Data Retention

Access Requests

Dispute Resolution

Frequently Asked Legal Questions

01 Who do these legal terms apply to?

02 Can I request a copy of my personal data?

03 How do I ask for my data to be deleted?

04 What happens if the terms change?

05 Is my payment data stored when I use UPI or Paytm?

06 How are disputes handled under these terms?

07 Which jurisdiction governs these terms?

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