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Terms & Conditions Governing Your cowinz Account

These Terms & Conditions set out the rules that apply when you open and use a cowinz account, including how we handle deposits via UPI, Paytm and PhonePe…

Account Eligibility RulesUPI & Paytm Payment ConductLobby Usage PolicyDispute Resolution ProcessAmendment & Notice Terms

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What These Terms Cover and How They Apply

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

By creating an account on cowinz, you confirm that you have read, understood and agreed to these Terms & Conditions in full. The terms govern every interaction you have with our platform — from funding your wallet using UPI, Paytm or PhonePe, to placing wagers, requesting

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withdrawals and reaching our support team. We may update these terms from time to time; when we do, we post the revised version on this page and note the effective date. Continued use of your account after an update means you accept the revised terms. These
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terms are governed by applicable law in India where local law permits such activity, and any clause that conflicts with mandatory local law will be read down to the extent necessary.

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

TERMS QUERIES & CONTACT

How to Reach Us About These Terms

Email Support Send your Terms & Conditions queries to our support address at cowinz.net. We aim to respond within 24 hours on business days, covering eligibility, account rules and payment conduct questions.

Live Chat Our live chat is accessible from the cowinz.net footer and connects you directly to an agent who can clarify any clause in these terms, explain account-suspension grounds or walk you through the dispute process.

Help Centre The cowinz Help Centre at cowinz.net/help contains written explanations of each major clause, including how UPI and Paytm refunds are handled and what happens when an account is flagged for review.

HOW WE UPHOLD THESE TERMS

Our Commitments Under These Terms

The following practices describe how cowinz enforces and maintains the Terms & Conditions that govern your account.

Account Data Handling

We store your account data on encrypted servers. Personal details you submit during registration are used only for account verification, payment processing and support — never sold to third parties under any circumstance.

Cookie & Tracking Policy

cowinz uses session cookies to keep your lobby state and security cookies to detect unusual login patterns. You can manage non-essential cookies via your browser settings; disabling them may affect some lobby features.

Account Security Measures

Two-step verification is available for every account. If we detect a login from an unrecognised device, we send a verification code to your registered mobile number before granting access to your wallet or pending withdrawals.

Data Retention Period

We retain your account records for the period required by applicable Indian law. After your account is closed, transaction logs are kept for the statutory minimum period, then deleted in line with our data-removal schedule.

Requesting Account Changes

To update registered details — email address, linked UPI handle or mobile number — raise a request via live chat or email with identity verification. Changes are processed within two business days of verification approval.

Terms Dispute Contact

If you believe we have applied these terms incorrectly to your account, contact our support team in writing. We review every formal dispute within five business days and communicate our finding by email to your registered address.

Common Questions About These Terms & Conditions

Below are the questions we receive most often about how our Terms & Conditions apply. If your question is not answered here, our support team is available via live chat or email at cowinz.net.

These terms apply to every person who opens a cowinz account where local law permits. By completing registration, you confirm that account use is lawful in your jurisdiction and that you agree to all clauses as written.

We may amend the terms at any time by posting the updated version on this page with a revised effective date. We aim to notify you by email for material changes; continued account use after that date constitutes acceptance of the revised terms.

A breach may result in account suspension, cancellation of pending withdrawals or permanent closure, depending on severity. We will notify you by email and, where possible, give you an opportunity to respond before a final decision is made.

Yes. All transactions — deposits via UPI, Paytm, PhonePe and withdrawals to linked accounts — are subject to these terms as well as the payment network's own rules. In case of conflict, our terms govern the relationship with cowinz specifically.

Send a written data-access request to our support email from your registered address. We will provide a summary of stored personal data within the timeframe required by applicable Indian law, typically within 30 days of receiving your request.

These terms are governed by applicable law in India where cowinz operates under local law permissions. Any dispute that cannot be resolved through our internal process will be subject to the jurisdiction of competent Indian courts.

Submit your dispute in writing to our support email with your account ID, the clause you believe was misapplied, and any supporting detail. We review every formal submission within five business days and reply to your registered email address.

Terms & Conditions Governing Your cowinz Account

How to Reach Us About These Terms

Our Commitments Under These Terms

Account Data Handling

Cookie & Tracking Policy

Account Security Measures

Data Retention Period

Requesting Account Changes

Terms Dispute Contact

Common Questions About These Terms & Conditions

01 Who do these Terms & Conditions apply to?

02 Can cowinz change these terms without notice?

03 What happens if I breach these Terms & Conditions?

04 Are deposits via UPI and PhonePe covered by these terms?

05 How do I request a copy of my account data?

06 What law governs these Terms & Conditions?

07 How do I formally dispute a decision made under these terms?

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