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How dfbocai Handles Your Personal Data

At dfbocai, we are clear about what personal data we collect when you open an account, how we store it, and what rights you hold over it.

Data Collected TransparentlyUPI & Paytm Transaction Records ProtectedYour Right to Access or DeleteIndia-Focused Data HandlingDirect Contact Path for All Requests

Explore the Lobby Read FAQ

What Data We Collect and Why

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

When you open an account with dfbocai, we collect the details you provide — name, email address, phone number, and the payment identifiers linked to UPI, Paytm or PhonePe transactions. We also log device type, IP address, and session activity to keep your account secure and

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to resolve any disputes quickly. We do not sell this data to third parties. Access to your account and any services we offer depends on local law and is available where local law permits. Data is retained only as long as required to fulfil the purpose
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it was collected for, after which it is deleted or anonymised in line with our internal retention schedule.

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

PRIVACY CONTACT PATHS

Reach Us About Your Privacy Rights

If you need to request access to your data, correct inaccurate records, or ask us to delete your account information, our privacy team is reachable through the channels below.

Email Privacy Request Send a written request to our dedicated privacy address. Include your registered email and a clear description of what you need — access, correction, or deletion. We respond within 48 hours of receipt.

Live Chat Support Our live chat team can log a privacy request on your behalf and escalate it to the data team immediately. Available around the clock so no request is delayed by time zone differences.

In-Account Help Centre Log in and navigate to Help Centre, then select Privacy and Data. You can submit a formal request directly from your account dashboard, and track its status without needing to contact us separately.

DATA HANDLING PRACTICES

Six Ways We Protect Your Account Data

Data protection at dfbocai is built around six concrete practices that cover collection, storage, access, cookies, retention and how you can request changes.

Encrypted Storage

All personal data — including your payment method details for UPI, Paytm and PhonePe — is stored using AES-256 encryption at rest. No readable personal data sits in unencrypted form on our servers at any point.

Cookie Controls

We use session cookies for login security and analytics cookies to understand how you navigate the lobby. You can adjust or withdraw cookie consent at any time through the cookie settings panel accessible from every page footer.

Account Security Layers

Your account is protected by hashed passwords, optional two-factor authentication via SMS or authenticator app, and automatic session timeout after a period of inactivity to prevent unauthorised access on shared devices.

Retention Schedule

We keep your data only as long as necessary — active account records are retained while your account is open, and transaction logs are held for the period required by applicable financial regulations, then deleted or anonymised.

Who Can Access Your Data

Internal access to personal data is restricted to staff who need it to operate your account, process payments or resolve disputes. No department outside those functions can pull your records without a documented reason.

Requesting Changes or Deletion

You can ask us to correct, export or permanently delete your personal data at any time. Submit the request via email, live chat or the Help Centre. We will confirm the action taken within 14 working days of verifying your identity.

Common Questions About Your Data on dfbocai

Below are the questions we receive most often about how dfbocai collects, stores and handles personal data. If your question is not here, contact our privacy team directly through email or live chat and we will respond with a clear, written answer within 48 hours.

We collect your name, email address, phone number, date of birth and the payment identifiers you use — such as your UPI ID or Paytm mobile number. We also log the device and IP address you connect from for security purposes.

We do not sell your personal data. We share it only with payment processors like UPI networks or PhonePe when needed to complete a transaction, and with fraud-detection services that help keep your account secure.

After account closure, we retain transaction records for the period required by applicable financial regulations. All other personal data is deleted or anonymised within 30 days of your confirmed account closure request.

Yes. Submit a data access request via email or through the Help Centre in your account dashboard. We will compile and send you a structured copy of your data within 14 working days of verifying your identity.

Contact our privacy team by email or live chat and state clearly that you want your data deleted. We will verify your identity, process the deletion and confirm it in writing. Regulatory records required by law are exempt from deletion.

We use strictly necessary cookies for login sessions and optional analytics cookies to improve the lobby experience. You can withdraw consent for non-essential cookies at any time from the cookie settings panel in the page footer.

Reach our privacy team directly at the email address listed in the Contact section of this policy. If you are not satisfied with our response, you may escalate the matter to the relevant data protection authority in your jurisdiction where local law permits.

How dfbocai Handles Your Personal Data

Reach Us About Your Privacy Rights

Six Ways We Protect Your Account Data

Encrypted Storage

Cookie Controls

Account Security Layers

Retention Schedule

Who Can Access Your Data

Requesting Changes or Deletion

Common Questions About Your Data on dfbocai

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

02 Does dfbocai share my data with third parties?

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

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

05 How do I ask dfbocai to delete my personal data?

06 What cookies does dfbocai use and can I turn them off?

07 Who do I contact if I believe my privacy rights have not been respected?

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