Reference

Terms and Conditions That Govern Your 99exch Account

These terms set out the binding agreement between you and 99exch the moment you open an account and access our lobby.

Account Eligibility by Local LawUPI & Paytm Deposit RulesWithdrawal Verification StepsAccount Suspension GroundsGoverning Jurisdiction
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99exch Terms and Conditions That Govern Your 99exch Account
TERMS CONTACT PATHS

Reach Us About These Terms and Conditions

Live Chat Our live chat channel is available around the clock. If you have a question about a specific clause, an account restriction, or a withdrawal hold, start a chat from your account dashboard and we will respond within minutes.
Email Support For written queries about these terms — including requests to amend account details or dispute a decision — email our compliance desk. We aim to send a substantive response within 24 hours of receiving your message.
Help Centre Our self-service help centre contains clause-level explanations for the most common questions around account limits, verification, and acceptable use. Browse the Terms section inside the help centre before contacting us.
HOW WE HANDLE YOUR ACCOUNT

Account Security, Data and Your Rights Under These Terms

We handle the data associated with your 99exch account strictly to operate and secure the platform, process your UPI or PhonePe transactions, and meet any legal obligations that apply in your region.

Identity Verification

We verify your identity before processing a withdrawal. You may be asked to submit a government-issued ID and a recent address proof. This step protects your funds and ensures the account belongs to you alone.

Data Retention

Account data — including transaction logs for UPI and Paytm deposits — is retained for the period required by applicable law. After that period, we anonymise or delete records in line with our internal data management schedule.

Cookie Policy

We use session and analytics cookies to keep your account logged in and to understand how pages are used. You can manage cookie preferences through your browser settings; disabling certain cookies may affect account functionality.

Account Security Practices

Your password is stored as a salted hash; we never see it in plain text. We strongly encourage enabling two-factor authentication, available in account settings, to add a second layer of protection against unauthorised access.

Requesting Account Changes

To update personal details such as your registered phone number or linked PhonePe account, contact support with proof of the change. We do not process verbal requests; written confirmation through a verified channel is required.

Dispute and Appeal Process

If you believe a decision — such as a withdrawal hold or account suspension — was applied in error, raise a formal dispute via email within 30 days. Our compliance team reviews each case and replies with a reasoned outcome.

Frequently Asked Questions About Our Terms and Conditions

These answers address the clauses our account holders ask about most often. For anything not covered here, reach out through live chat or email and our team will point you to the relevant section of the current terms.

These terms apply to every person who opens an account on 99exch and accesses the platform where local law permits. By registering, you agree to be bound by the full document, including any updates we publish on this page.

We may revise the terms at any time and will note the update date on this page. Continuing to use your account after a change is published means you accept the updated terms. We recommend checking this page periodically.

Access to 99exch depends on local law. If you access the platform from a region where it is not permitted, your account may be suspended and any pending withdrawals reviewed. You are responsible for checking local regulations before using the platform.

All deposits — whether through UPI, Paytm or PhonePe — are subject to the transaction rules in these terms. Deposits must come from an account in your own name; third-party funding is not permitted and may result in account restriction.

If your account is suspended, we will notify you by email stating the reason. You have 30 days to submit a written appeal to our compliance desk. We review each appeal individually and provide a written decision within 5 business days.

Submit a data deletion request via email to our compliance desk. We will action the request after satisfying any legal retention obligations. Transaction records required by law will be retained for the mandated period before deletion.

These terms are governed by the laws of the jurisdiction stated in the full terms document. Any dispute that cannot be resolved through our internal appeal process will be referred to the courts of that jurisdiction for final resolution.

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