Reference

Legal Terms That Protect Your Account

At 11winner, every clause in our legal framework exists to protect you — your account data, your transaction records and your ability to seek resolution when something goes…

Account Ownership PolicyData Retention RulesDispute Resolution PathJurisdiction-Dependent AccessPrivacy & Cookie Policy

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How Our Legal Terms Apply in India

11winner Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

Access to 11winner is available where local law permits, and our legal terms are written with that boundary in mind. By opening an account, you confirm that you are accessing the platform in a jurisdiction where doing so is lawful. Our terms govern account creation, wallet

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activity — including deposits via UPI, Paytm and PhonePe — and any disputes that arise from your use of the platform. We do not override local legislation; where a conflict exists between our terms and applicable Indian law, Indian law takes precedence. Transactions processed through UPI
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or PhonePe are subject to both our internal wallet policy and the rules of the respective payment network. We update these terms when regulations change and notify you through the contact address on file. Chennai-based support staff can clarify any clause in plain language upon request.

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

LEGAL CONTACT CHANNELS

Reach Us for Any Legal or Policy Query

If a clause is unclear, a transaction record is needed for a dispute, or you want to request deletion of your personal data, our policy team is reachable through the channels below. Response times for legal and data requests are typically within 72 hours on business days. All formal written requests are acknowledged in writing.

Team online

Email — Legal & Privacy

Send formal data requests, account dispute notices or policy clarification queries to our dedicated legal inbox. Written responses are issued within 72 business hours and reference your account ID.

Live Chat — Policy Questions

For quick clause clarifications or to find out which policy applies to your situation, our chat support team can direct you to the right section or escalate to the legal team on your behalf.

Postal — Formal Notices

Formal legal notices — including data subject access requests and account dispute escalations — may be submitted in writing to our registered correspondence address, with a copy emailed for tracking purposes.

HOW WE HANDLE YOUR DATA

Data, Cookies, Security and Your Rights

Your account data is held on encrypted servers and accessed only by staff with a documented need to process it.

Data Encryption at Rest

Account details, transaction records and KYC documents are encrypted using AES-256 at rest. Only authorised operations staff can access this data, and every access event is logged with a timestamp and staff ID.

Cookie Management

We use strictly necessary cookies to hold your session and optional analytics cookies to understand lobby navigation. You can withdraw consent for analytics cookies at any time through the settings panel without affecting your account access.

Account Security Practices

Two-step login verification is available on all accounts. We never ask for your password by email or chat. If you receive a suspicious message claiming to be from 11winner, report it to our security team immediately via live chat.

Data Retention Schedule

Active account data is held for the duration of your account plus the statutory retention period required under applicable Indian financial regulations. Closed accounts are anonymised after the retention window closes.

Right to Request and Correct

You may request a copy of the personal data we hold on you at any time. If any record is inaccurate, contact our legal inbox and we will correct or delete it within the timeframe required by applicable law.

Dispute and Escalation Path

Disputes about transactions, account decisions or data use follow a two-step path: first to our support team, then to our internal legal review desk. We aim to issue a final written decision within 10 business days of escalation.

Legal Policy — Your Questions Answered

The questions below cover the legal topics we hear most often — from how your data is stored to what happens when you close your account. If your question is not here, our policy team is one chat message away.

Yes, provided access is lawful where you are located. Our terms apply to all accounts opened where local law in India permits. If your region restricts access, our terms cannot override that restriction and you should not open an account.

We collect the information needed to verify your identity and process transactions — name, contact details, date of birth and payment identifiers such as your UPI handle. KYC documents are collected to meet our verification obligations and stored securely.

Closed account data is retained for the statutory period required under applicable Indian financial regulations. After that window closes, personal identifiers are removed and the remaining records are anonymised for internal reporting only.

Yes. Submit a written data subject access request to our legal inbox with your registered email and account ID. We will compile and deliver your data within the timeframe required by applicable law, typically within 30 days.

Start by raising the issue through live chat with your transaction reference number. If the first-line team cannot resolve it, the case is escalated to our legal review desk, which issues a written decision within 10 business days of escalation.

We do not sell your data. Payment details including PhonePe and Paytm identifiers are shared only with the payment network needed to process your transaction and with fraud-screening services, both of which are bound by confidentiality agreements.

Email our legal inbox from your registered address, describe the inaccuracy and attach any supporting document. We will review and correct or delete the record within the legally required period, and confirm the action to you in writing.

Legal Terms That Protect Your Account

Reach Us for Any Legal or Policy Query

Email — Legal & Privacy

Live Chat — Policy Questions

Postal — Formal Notices

Data, Cookies, Security and Your Rights

Data Encryption at Rest

Cookie Management

Account Security Practices

Data Retention Schedule

Right to Request and Correct

Dispute and Escalation Path

Legal Policy — Your Questions Answered

01 Do 11winner's legal terms apply to me if I access the site from India?

02 What personal data does 11winner collect when I open an account?

03 How long does 11winner keep my account data after I close my account?

04 Can I request a copy of the data 11winner holds about me?

05 How do I dispute a transaction that appears incorrect in my wallet?

06 Does 11winner share my payment data — such as my PhonePe or Paytm details — with third parties?

07 How do I request a correction or deletion of inaccurate data on my account?

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