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How j36 Protects Your Personal Data

At j36, we take your privacy seriously — every piece of information you share with us, from your account details to your UPI transaction records, is handled with…

Encrypted account storageUPI & Paytm data handled securelyNo third-party data salesRight to access your dataIndia-based data commitments

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What This Privacy Policy Covers

j36 Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

This policy applies to all personal data collected when you open an account, make a deposit via UPI, Paytm or PhonePe, or contact our support team through j36.club. We collect identity verification details, contact information, payment method identifiers (such as your UPI handle or Paytm-linked mobile

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number), device metadata, and activity logs needed to operate your account. Data is processed in accordance with applicable law in jurisdictions where access is permitted under local legislation. We do not sell, rent or exchange your personal data with third parties for marketing purposes. Any sharing
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that does occur — for example, passing a transaction reference to a payment processor — is limited strictly to what is necessary to complete that specific action. By using our platform where local law permits, you acknowledge the data practices set out here.

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

REACH OUR PRIVACY TEAM

Contact j36 About Your Privacy

If you have questions about how your data is stored, want to request a copy of what we hold, or need to flag a concern about how your information has been handled…

Privacy Email Send a detailed request to our dedicated privacy address at j36.club and we will acknowledge it within one business day and provide a full response within 72 hours.

Live Chat Start a live chat session directly on j36.club at any hour. Identify your query as a privacy matter and the agent will escalate it to our data team without delay.

Help Centre Ticket Log a formal ticket through the Help Centre on j36.club, selecting the Privacy and Data category so it routes straight to the team responsible for data-subject requests.

HOW WE HANDLE YOUR DATA

Six Ways We Keep Your Data Safe

From the moment you enter your details to the point your account becomes inactive, j36 applies consistent controls to protect what you share with us.

End-to-End Encryption

All data transmitted between your device and j36.club is protected by TLS encryption. Payment identifiers, including UPI handles and Paytm-linked numbers, are encrypted both in transit and at rest on our servers.

Cookie Controls

We use session cookies to keep your account logged in and analytics cookies to understand page performance. You can adjust cookie preferences from the settings panel; withdrawing consent for analytics cookies does not affect your account access.

Account Security Layers

Your account is protected by password hashing and optional two-factor authentication. Suspicious login attempts from new devices trigger an automatic verification step before access is granted, reducing the risk of unauthorised entry.

Data Retention Schedule

We hold active account data for as long as your account remains open. After account closure, we retain records only for the minimum period required by applicable law, after which personal data is securely deleted or anonymised.

Your Right to Access

You may request a full export of the personal data we hold about you at any time. Submit a request via the Help Centre or privacy email and we will deliver a structured copy within the timeframe set by applicable law in your region.

Third-Party Processor Limits

Where we engage third-party processors — such as payment gateways that handle PhonePe or UPI transactions — we require them to meet equivalent data-protection standards through contractual agreements, and they may only use your data for the specific purpose we have authorised.

Your Privacy Questions About j36

The questions below cover what our account-holders in India ask most frequently about data rights, storage, payment data and how to act on their privacy preferences. If your question is not here, contact us directly through the support channels listed above.

We collect your name, email address, mobile number, date of birth, and the payment method details you register — such as your UPI handle or Paytm-linked number. We also log device type, IP address and session activity to secure your account.

We share data only where necessary — for example, passing a transaction reference to a PhonePe or UPI payment processor to complete a deposit. We do not sell your data or share it with advertisers or unrelated third-party companies.

After account closure, we retain records for the minimum period required under applicable law in the jurisdiction where access is permitted. Once that period expires, your personal data is securely deleted or irreversibly anonymised from our systems.

Yes. Submit a data-access request through the Help Centre ticket system or our privacy email. We will deliver a structured export of your personal data within the legally required timeframe for your region, at no charge to you.

Payment identifiers, including UPI handles and Paytm-linked mobile numbers, are encrypted at rest and in transit using TLS. We do not store full card or bank account numbers, and payment processors handling your transactions are bound by data-protection agreements.

You have the right to raise a complaint directly with us via live chat or the privacy email. Where local law permits, you may also escalate to the relevant data protection authority in your jurisdiction if you are unsatisfied with our response.

We use session cookies for account functionality and analytics cookies to measure page performance. You can withdraw consent for non-essential cookies from the cookie settings panel at any time without affecting your ability to log in or use your account.

How j36 Protects Your Personal Data

Contact j36 About Your Privacy

Six Ways We Keep Your Data Safe

End-to-End Encryption

Cookie Controls

Account Security Layers

Data Retention Schedule

Your Right to Access

Third-Party Processor Limits

Your Privacy Questions About j36

01 What personal data does j36 collect when I open an account?

02 Does j36 share my data with third parties?

03 How long does j36 keep my personal data after I close my account?

04 Can I request a copy of the data j36 holds about me?

05 How does j36 protect my UPI and Paytm payment details?

06 What are my rights if I believe my data has been mishandled?

07 Does j36 use cookies, and can I control them?

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