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Our Terms, Policies and Your Rights

cretaexch operates under a defined legal framework that governs every account, transaction and interaction on our platform.

Terms of UsePrivacy PolicyCookie PolicyAccount ConditionsDispute Resolution

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Jurisdiction, Eligibility and Account Terms

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

Access to cretaexch is subject to the laws of the jurisdiction in which you reside — eligibility depends on local law and the platform is available where local law permits. By creating an account, you confirm that you have read and accepted our Terms of Use

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in their entirety. We collect only the data necessary to operate your account, process deposits via UPI, Paytm and PhonePe, and fulfil withdrawal requests. Our data retention periods are defined by applicable law, and we do not share your personal information with third parties beyond what
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is required to complete a transaction or comply with a lawful authority request. All account conditions, including payment processing rules, are described in full in our Terms of Use document accessible from the footer of every page.

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

POLICY CONTACT PATHS

How to Reach Our Legal and Compliance Team

If you have a question about your rights under our privacy policy, want to request a data correction, or need to raise a formal legal concern, our compliance team is reachable through…

Email Compliance Send your data request, policy question or formal legal notice to our compliance inbox. We log every submission with a reference number so you can track the status of your request end to end.

Live Chat Support Our live chat agents can route your policy question to the compliance team in real time. Available around the clock, this channel is useful for account-level questions that need a quick written acknowledgement.

Formal Post For statutory notices or official correspondence, you may submit documents by post to our registered address. Include your account ID and the nature of the legal matter so the correspondence reaches the right team without delay.

HOW WE HANDLE POLICY

Data Handling, Cookies and Account Security

Our approach to data, cookies, account security and retention is designed to give you control and to keep your information safe.

Data Collection

We collect only what is needed to operate your account — name, contact details, payment identifiers such as your UPI handle or Paytm number, and transaction records. No surplus data is held beyond what the platform requires to function.

Cookie Policy

Our site uses session cookies for login continuity and analytics cookies to understand how pages are used. You can manage cookie preferences through the consent banner shown on your first visit; withdrawing consent affects non-essential cookies only.

Account Security

Accounts are protected by hashed passwords, two-step verification options and automated fraud detection that flags unusual login patterns. We never ask for your full password in any correspondence — treat any such request as suspicious and report it.

Data Retention

Account data is retained for the period required by applicable law, typically defined by financial regulation in the jurisdiction where you hold your account. After that period, personal data is deleted or anonymised in line with our retention schedule.

Requesting Changes

You have the right to access, correct or request deletion of personal data we hold. Submit your request via the compliance email channel; we will verify your identity before processing and confirm the outcome within the timeframe required by applicable law.

Dispute Resolution

Disputes about account decisions or transactions follow a documented escalation path — first to our support team, then to the compliance manager, and finally to the applicable legal authority in your jurisdiction if the matter remains unresolved.

Your Legal Rights and Policy Questions

These are the questions we receive most often about our legal terms, data practices and account conditions. If you do not find the answer here, contact our compliance team directly through the channels listed above.

Access depends on local law and is available where local law permits in your jurisdiction. By registering, you confirm that using the platform is lawful in the region where you are located. We rely on your confirmation and may request supporting documents if we have cause to verify eligibility.

We collect your name, email address, phone number, payment method identifiers — such as your UPI handle or Paytm number — and records of transactions on your account. We do not collect more data than is necessary to operate your account and process payments.

Data is retained for the period required by financial and operational regulations applicable to your jurisdiction. Once that period ends, your personal data is deleted or anonymised. You may request a copy of your retention schedule from our compliance team.

Yes. Email our compliance inbox with your account ID and the specific correction or deletion you are requesting. We will verify your identity and respond within the legally required timeframe, confirming what action was taken and why.

Session cookies keep you logged in during your visit; analytics cookies help us understand which pages are used. Non-essential cookies are governed by your consent choice. You can update or withdraw consent at any time via the cookie settings accessible in the site footer.

Raise the dispute with our support team first — agents in Pune and Mumbai are available around the clock. If the issue is not resolved at that level, it escalates to our compliance manager. Unresolved matters may then be referred to the applicable legal authority in your jurisdiction.

We share data only where required to process a transaction — for example, passing your PhonePe or UPI details to the payment processor — or where we are required to do so by a lawful authority. We do not sell your personal data to advertisers or data brokers.

Our Terms, Policies and Your Rights

How to Reach Our Legal and Compliance Team

Data Handling, Cookies and Account Security

Data Collection

Cookie Policy

Account Security

Data Retention

Requesting Changes

Dispute Resolution

Your Legal Rights and Policy Questions

01 Who can legally access and use cretaexch?

02 What personal data does cretaexch collect from my account?

03 How long is my personal data kept after I close my account?

04 Can I request a correction or deletion of my data?

05 How do cookies on cretaexch affect my privacy?

06 What happens if I have a dispute about an account decision or transaction?

07 Does cretaexch share my data with third parties?

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