Reference

Our Terms and Conditions at in99

These terms govern every account, wallet transaction, and session you run on in99 — from the moment you register to every UPI or Paytm deposit you make.

Account RulesWallet & DepositsUPI & Paytm PolicyUser ConductJurisdiction: India

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What These Terms Actually Cover

in99 Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

The terms below apply to all activity on in99.club and any associated mobile interfaces. They cover account creation and verification, fund deposits through UPI, Paytm, and PhonePe, withdrawal processing and the identity checks attached to it, and the conduct rules every account holder must follow. We

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may update these terms from time to time; continuing to use the platform after a change is posted means you accept the revised version. Access to and use of the platform is subject to applicable Indian law, and it is your responsibility to confirm that participation
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is lawful where you are located. These conditions do not waive any rights you hold under consumer-protection statutes in force in India.

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

TERMS SUPPORT

How to Reach Us About These Terms

If any clause in these terms is unclear or you need to raise a concern about how a condition has been applied to your account, our support team is available around the…

Live Chat Start a live chat from any page on in99.club and quote the clause number or section heading you want to discuss. Agents are available every day and will pull up your account terms in real time to walk through the relevant point with you.

Email Support Write to our support address with your registered email subject line and the specific terms section your query relates to. We aim to send a substantive written reply within 24 hours, referencing the exact clause and how it applies to your account.

Help Centre Our Help Centre hosts the current version of these terms alongside annotated summaries of each section. Search by keyword or browse by section to locate the clause you need before contacting support, saving time for both sides.

HOW WE HANDLE THIS

Account Security, Data and Your Rights

We handle your account data under the obligations set out in these terms. Below are the six practices we follow to keep your account secure, your data accurate, and your rights accessible…

Data We Collect

We collect the name, email, phone number, and payment details you provide at registration or deposit. This data is used solely to operate your account, process UPI and Paytm transactions, and carry out required identity checks — nothing else.

Cookie Policy

The site uses session cookies to keep you logged in and analytics cookies to measure page performance. No advertising cookies from third-party networks are set without your explicit consent in the cookie-preference panel.

Account Security

Passwords are stored as salted hashes; we never hold your password in plain text. Two-factor authentication is available and recommended. Any suspicious login attempt triggers an automatic lock and an alert to your registered mobile number.

Data Retention

We retain account and transaction records for the period required under applicable Indian financial regulations. After your account is closed, personal data is purged within the statutory retention window unless a legal hold applies.

Right to Access and Correct

You may request a copy of the personal data we hold, or ask us to correct inaccurate records, at any time by contacting support with your registered email. We will process the request and respond within seven business days.

Account Closure Requests

You can request account closure through live chat or email. We will confirm outstanding balances, process any pending PhonePe or UPI withdrawals, and complete the closure within five business days of your verified request.

Common Questions About These Terms

The questions below cover what our account holders ask most often about the terms and conditions on in99. If your question is not listed, contact support directly and reference the section heading that applies to your query.

The current version is always posted at in99.club/terms-conditions/. The date at the top of the page shows when it was last updated. We do not email the full text on each revision, so checking the page directly is the reliable way to stay current.

We may revise these terms when required by law, payment-provider rules, or platform policy changes. When we do, the updated date at the top of this page changes. Continued use of your account after the revision is posted constitutes acceptance of the new version.

Every deposit via UPI, Paytm, or PhonePe is processed under the wallet and payment clause of these terms. That clause sets out processing times, the circumstances under which a transaction may be queried, and the steps for raising a deposit dispute with support.

After account closure, we retain transactional and identity records for the period mandated under applicable Indian financial regulations, then delete them. We do not sell or share your data with unaffiliated third parties at any point before or after closure.

Yes. Email support from your registered address with the subject line 'Data Access Request' and we will compile a summary of the personal and transactional data held against your account and send it to you within seven business days.

Prohibited conduct includes using automated tools to interact with the platform, creating multiple accounts, providing false identity documents during KYC, and any attempt to exploit technical errors for financial gain. Breaches may result in account suspension and forfeiture of wallet funds.

These terms are governed by Indian law. Any dispute arising from them is subject to the jurisdiction of the competent courts in India. Access to and use of the platform is conditional on compliance with the laws applicable in your location within India.

Our Terms and Conditions at in99

How to Reach Us About These Terms

Account Security, Data and Your Rights

Data We Collect

Cookie Policy

Account Security

Data Retention

Right to Access and Correct

Account Closure Requests

Common Questions About These Terms

01 Where can I find the current version of the in99 terms and conditions?

02 Do these terms change, and will I be told when they do?

03 How do the terms apply to my UPI and Paytm deposit transactions?

04 What happens to my personal data if I close my account?

05 Can I request a copy of the data in99 holds about me?

06 What conduct is prohibited under these terms?

07 Which laws govern these terms and where would a dispute be heard?

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