Reference

Read Before You Open Your Account

These terms set out the rules that govern your relationship with n32 — what we expect from you, what you can expect from us, and how disputes are…

Applies to all account holdersGoverned by applicable lawUpdated when rules changeContact us for any queryIndia region scope

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What These Terms Actually Cover

n32 Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

By creating an account on n32, you confirm that you have read, understood, and agreed to these terms in full. The terms apply to every action you take on the platform — browsing the lobby, funding your wallet via UPI, Paytm, or PhonePe, placing a wager,

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withdrawing a payout, or contacting our support team. We may update these terms from time to time; when we do, we will notify you by email or an in-app message before the changes take effect. Continued use of your account after notification means you accept the
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revised terms. If any clause is found unenforceable under applicable Indian law, the remaining clauses stay in force. These terms do not override your statutory rights under Indian consumer protection legislation.

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

TERMS CONTACT PATHS

Reach Us About Your Terms Query

If any clause in these terms is unclear, or you believe a rule has been applied incorrectly to your account, our support team is available around the clock.

Live Chat Open the chat widget from any page on n32 and a support agent will pick up your terms-related query within minutes, any time of day or night.

Email Support Send a detailed message to our support address and we aim to reply within 24 hours with a clause-by-clause explanation of how the terms apply to your case.

Help Centre Our self-service help centre hosts the full text of every current and archived version of these terms so you can compare how rules have changed over time.

HOW WE HANDLE THIS

How n32 Upholds These Terms

Our internal compliance team reviews every terms update against applicable Indian law before it goes live.

Data Handling

We collect only the account data needed to verify your identity and process payments via UPI, Paytm, or PhonePe. Data is stored on encrypted servers and never sold to third parties without your consent.

Cookie Policy

Cookies on n32 are used to keep your session active, remember your preferred language, and analyse lobby performance. You can adjust cookie preferences at any time from the account settings panel.

Account Security

Two-factor authentication is available on all accounts. If we detect unusual login activity — a new device or unfamiliar location — we send a verification prompt before granting access.

Retention Period

We keep your account and transaction records for as long as required by applicable Indian financial regulations. Once the mandatory period passes, records are securely deleted on request.

Who to Contact

For any terms-related concern — including a request to access, correct, or delete your personal data — write to our compliance officer via the email address listed in the Help Centre.

Requesting Changes

Submit a written request through live chat or email citing the specific clause and the change you are requesting. We acknowledge every request within 48 hours and provide a final decision within 14 days.

Common Questions About Our Terms

Below are the questions we hear most often about how these terms work in practice. If your question is not covered here, our support team can walk you through the relevant clause directly.

Yes. Every transaction processed through your n32 wallet — whether funded by UPI, Paytm, PhonePe, or any other method — is subject to these terms. Payment-specific rules are outlined in the wallet section of the terms.

We notify you by email or in-app message before any change takes effect. If you continue using your account after the notification date, we treat that as acceptance of the revised terms. You may close your account if you disagree.

Contact our compliance officer via the email address in the Help Centre. We will provide a full data export within 30 days of receiving your verified request, at no charge, in a machine-readable format.

We may suspend or close an account if there is evidence of a terms violation, suspected fraud, or a requirement from a regulatory authority. We will inform you of the reason unless disclosure is legally restricted.

These terms are governed by applicable Indian law. Access to and use of the platform is available only where local law permits, and any dispute will be referred to the courts with appropriate jurisdiction in India.

Transaction records are retained for the period required under Indian financial regulations. After that mandatory window closes, we delete records securely. You can request your history at any point while your account is active.

Raise your concern via live chat or email, quoting the clause number you believe was misapplied. Our compliance team will review the case and send a written response within 14 days citing the relevant terms.

Read Before You Open Your Account

Reach Us About Your Terms Query

How n32 Upholds These Terms

Data Handling

Cookie Policy

Account Security

Retention Period

Who to Contact

Requesting Changes

Common Questions About Our Terms

01 Do these terms apply to all payment methods including UPI and PhonePe?

02 What happens if n32 updates the terms and conditions?

03 How do I request a copy of my personal data held by n32?

04 Can n32 suspend or close my account under these terms?

05 Which law governs these terms and conditions?

06 How long does n32 keep my account transaction history?

07 Who do I contact if I think a term has been applied incorrectly to my account?

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