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How licwin Handles Your Personal Data

At licwin, we take seriously every piece of information you share with us — from the moment you open your account to every transaction you make via UPI…

Data collected with your consentStored on secured serversAccessible to you on requestCompliant with applicable Indian lawReviewed and updated regularly

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What This Policy Covers at licwin

licwin 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 when you use licwin, including account registration details, payment data submitted through UPI, Paytm and PhonePe, browsing behaviour on our platform, and any communications you send to our support team. Licwin operates where local law permits, and

1
the data practices described here are shaped by the applicable regulations in those regions. We do not sell your personal data to third parties. Data shared with payment processors such as Paytm and PhonePe is limited strictly to what those services need to complete your transaction.
2
Where Indian law grants you specific rights over your data — including the right to know, the right to correct and the right to erasure — we honour those rights through the contact channels listed in this policy.

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

DATA CONTACT PATHS

Reach Us About Your Privacy

If you have a question about how licwin processes your personal data, or if you want to exercise any of your data rights, our dedicated privacy team is reachable through the channels…

Privacy Email Send a written request to our privacy team at the designated email address. Include your registered account email so we can locate your data records and respond accurately within the legal timeframe.

Live Chat Support Start a live chat session from any page on licwin. Our agents can log a formal data request on your behalf and escalate it directly to the privacy team without you needing to send a separate email.

In-Account Data Centre Log in to your licwin account and navigate to Account Settings. The Data Centre section lets you download a copy of your stored data or submit a deletion request directly from your dashboard.

HOW WE PROTECT DATA

Data Handling, Cookies and Account Security

Licwin uses layered technical measures to keep your account and personal data secure. Below is a concrete breakdown of how each area of our data practice works — from cookies to retention…

Data We Collect

We collect your name, contact details, date of birth and payment identifiers when you register. During active use, we log session activity, device type, IP address and transaction amounts processed through UPI, Paytm or PhonePe to detect fraud and verify payouts.

Cookie Usage

Our site uses session cookies to keep you logged in, analytics cookies to understand page performance, and preference cookies to remember your language and display settings. You can manage cookie preferences through your browser or via our cookie consent panel at any time.

Account Security Measures

Passwords are stored as salted hashes — we never hold your password in plain text. Two-factor authentication is available in your account settings and we recommend enabling it, especially if you use UPI or Paytm for deposits and withdrawals.

Retention Schedule

Account data is retained for as long as your account is active and for a further period as required by applicable financial regulations in the jurisdictions where we operate. After the retention period expires, personal data is securely deleted or anonymised.

Who Can Access Your Data

Your data is accessible only to licwin staff who need it to operate your account, to licensed payment processors like Paytm and PhonePe for transaction completion, and to regulatory authorities when disclosure is legally required. It is never sold to advertisers.

Requesting Changes

To correct inaccurate data, request a full data export or ask for erasure of your records, contact us via the Data Centre in your account settings or by emailing our privacy team directly. We will confirm receipt and process the request within the applicable statutory period.

Common Questions About Your Data at licwin

The questions below cover the data rights and privacy topics that come up most often. If your specific question is not answered here, reach out to our privacy team and we will respond in writing within the timeframe required by law.

We collect your name, email address, phone number, date of birth and the payment identifiers associated with your UPI, Paytm or PhonePe account. Document images may be requested later to verify your identity under applicable regulations.

Yes. Log in, go to Account Settings and select the Data Centre tab to request a full data export. We compile your records and deliver them securely within the statutory period. You can also request this via our privacy email.

Minor corrections like a phone number change can be made directly in your account profile. For corrections to identity documents or transaction records, submit a written request through our privacy email or live chat and we will update the records after verification.

We share data only with payment processors — Paytm, PhonePe, UPI networks — strictly to complete transactions, and with regulatory bodies when legally required. We do not sell or rent your personal data to advertisers or unrelated third parties.

After account closure, we retain certain data for the period prescribed by applicable financial and regulatory requirements in the regions where we operate. Once that period ends, your personal data is securely deleted or fully anonymised.

We use session, analytics and preference cookies. You can review and adjust which categories are active through the cookie consent panel shown on your first visit, or through your browser settings at any point without affecting your account access.

Contact our privacy team via email or live chat with a written description of your concern. We will acknowledge your complaint within two business days and work to resolve it. You may also raise the matter with the relevant data protection authority under applicable Indian law.

How licwin Handles Your Personal Data

Reach Us About Your Privacy

Data Handling, Cookies and Account Security

Data We Collect

Cookie Usage

Account Security Measures

Retention Schedule

Who Can Access Your Data

Requesting Changes

Common Questions About Your Data at licwin

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

02 Can I access a copy of all the data licwin holds about me?

03 How do I ask licwin to correct inaccurate information in my account?

04 Does licwin share my data with any third parties?

05 How long does licwin keep my personal data after I close my account?

06 What cookies does licwin use and how can I control them?

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

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