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How kalyanstarline Handles Your Personal Data

This privacy policy explains exactly what personal data kalyanstarline collects when you open and use your account, how we store it securely, and the rights you hold over…

Data collected only as neededUPI, Paytm, PhonePe details encryptedNo third-party sale of your dataYour right to access and deleteIndia-region account coverage

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What We Collect and Why We Collect It

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

When you open an account with kalyanstarline, we collect the information needed to verify your identity, process your transactions and keep your account secure. This includes your name, email address, phone number and, when you make a deposit or withdrawal via UPI, Paytm or PhonePe, the

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transaction reference associated with that payment method. We do not store your full UPI handle or Paytm wallet credentials on our servers; payment processing is handled through encrypted channels so that only the reference ID reaches us. We collect device and browser data to detect unusual
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login activity and protect your account from unauthorised access. The lawful basis for this collection is the performance of a contract with you and our obligation to prevent fraud. You are never required to provide more data than what is necessary to operate your account, and
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your eligibility to hold an account depends on local law where you are located.

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 want to exercise any of your data rights — whether that is accessing the personal data we hold, correcting inaccurate details or requesting deletion…

HOW WE PROTECT IT

Data Handling, Cookies and Account Security

kalyanstarline applies layered security controls to every account and every piece of data we hold.

Data Handling in Transit

All data you submit — including UPI references, Paytm transaction IDs and PhonePe confirmations — travels over TLS-encrypted connections. No payment credential is stored in plain text at any point in the journey from your device to our servers.

Cookie Practice

We use session cookies to keep you logged in and analytics cookies to understand how account pages are used so we can improve them. You can manage or withdraw cookie consent from the Cookie Preferences panel inside your account settings at any time.

Account Security Controls

Every account login is monitored for anomalous device or location patterns. If we detect a login that does not match your usual behaviour, we send an immediate verification prompt to your registered phone number before allowing access.

Data Retention Periods

We keep your account data for as long as your account is active and for a limited period thereafter as required by applicable law. Once the retention period ends, data is permanently deleted from our systems and backups within 30 days.

Who to Contact for Changes

All formal data requests — access, correction, portability or deletion — go to our privacy team via the email address listed in your account's Privacy Centre. For urgent account-security issues, live chat agents can escalate within the same session.

Third-Party Data Sharing

We share your data only with payment processors — UPI, Paytm, PhonePe — and identity verification partners who are contractually bound to the same data-protection standards we apply internally. We do not sell your personal data to advertisers or data brokers.

Frequently Asked Privacy Questions

The questions below cover the most common concerns account holders raise about how we collect, use and protect their personal data. If your question is not answered here, reach our privacy team through the contact paths listed above and we will respond within seven working days.

We collect your name, email address, phone number and the payment references generated when you transact via UPI, Paytm or PhonePe. We also collect device data to detect unauthorised login attempts. We collect only what is needed to operate your account.

Log in and go to Privacy Settings in your account dashboard, then select Download My Data. We compile your data file within 48 hours and notify you by email when it is ready. Alternatively, email our privacy team to make a formal access request.

Yes. Submit a deletion request through the Privacy Centre in your account or by emailing the privacy team. We will permanently delete your data within 30 days, subject to any retention period required by applicable law in your jurisdiction.

We share payment references only with the payment processor needed to complete your transaction — UPI, Paytm or PhonePe as applicable. Those processors are contractually required to protect your data. We do not share payment details with advertisers or any unrelated third party.

After account closure, we retain your data for the period required by applicable law. Once that period ends, your data is permanently deleted from our live systems and backups within 30 days. You will receive a confirmation email when deletion is complete.

We use session cookies for login continuity and analytics cookies to improve account pages. You can view, adjust or withdraw cookie consent at any time through the Cookie Preferences panel inside your account settings, and changes take effect immediately.

Contact our privacy team by email or via live chat in your account. Describe the concern and we will acknowledge it within 24 hours and provide a full response within seven working days. For urgent account-security issues, live chat agents can escalate immediately.

How kalyanstarline Handles Your Personal Data

Reach Us About Your Privacy Rights

Data Handling, Cookies and Account Security

Data Handling in Transit

Cookie Practice

Account Security Controls

Data Retention Periods

Who to Contact for Changes

Third-Party Data Sharing

Frequently Asked Privacy Questions

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

02 How can I access the personal data you hold about my account?

03 Can I request deletion of my account data?

04 Does kalyanstarline share my UPI or Paytm details with third parties?

05 How long does kalyanstarline retain my personal data after I close my account?

06 What cookies does kalyanstarline use and how do I control them?

07 Who do I contact if I believe my data has been handled incorrectly?

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