Reference

Legal terms for your 1miba account

Before you open your account, this Legal page explains the contract between you and 1miba, including account access, data use, payment records, and dispute handling.

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How our legal terms apply in India

1miba Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

Our legal terms apply when you create, access, verify, or close your account, and when you use wallet records linked to UPI, Paytm, or PhonePe. We ask you to keep account details accurate because identity checks, payment name matching, and withdrawal approval depend on the data

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you provide. We may pause account actions when records do not match, when a security alert appears, or when a lawful request requires us to preserve data. Access and eligibility depend on local law and are available where local law permits. If any term conflicts with
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a binding rule in your location, that rule takes priority for that specific matter while the rest of the terms continue to apply.

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

CONTACT ROUTES

Three legal contact paths that work

Legal requests need clear routing, so we separate account access, payment records, and data rights instead of mixing them in one queue.

Account legal help Use this path when your account is locked, your name needs correction, or you want a copy of key account terms. We may ask for identity proof before discussing private records.

Payment record queries Send UPI, Paytm, or PhonePe references here when a legal record does not match your wallet view. Include the date, amount, and transaction ID so we can trace the ledger entry.

Data and cookie requests Use this route for access, correction, deletion, or cookie preference requests. We check your identity first, then explain what data can be changed and what must be retained by law.

DATA CARE

Six ways we handle legal data

We handle legal data with specific purposes: account creation, identity checks, wallet records, security logs, cookie choices, and support transcripts. Each record has a reason for collection and a retention need.

Account data

We keep your name, mobile number, email, account status, and verification markers to manage access and legal identity checks. If a detail is wrong, ask for correction through the account legal path.

Cookie choices

Cookies help us remember sessions, secure sign-ins, and measure whether legal pages load correctly. You can adjust browser settings, though some account security checks may need session cookies.

Sign-in security

We log device, session, and access signals to detect account misuse and to support dispute checks. These logs are reviewed only by authorised staff handling security or legal requests.

Payment retention

Transaction records linked to UPI, Paytm, or PhonePe may be retained after account closure when law, audit, tax, or dispute needs require it. We limit access to staff with a work need.

Change requests

If you ask us to update, export, or delete data, we first confirm that the request comes from you. We then tell you what action we can take and the reason.

Local law checks

Access to account services depends on local law and is available where local law permits. If legal rules change in your location, we may adjust access or request fresh verification.

Legal questions before you open account

These answers explain how our legal terms affect your account, data, cookies, payment records, and access in India. They are written to help you decide what details you must provide, how to contact us, and what may happen if records do not match. For a personal legal query, contact us through your account inbox.

You are bound by the terms when you create or use an account, request a transaction, contact support, or keep a session active. Access also depends on local law and is available where local law permits.

Accurate details help us match your identity, account activity, and payment records. If your name, mobile number, or wallet data does not match, we may pause account actions until verification is complete.

Yes. Send a request from your registered email or account inbox, and we will verify your identity first. We can share account data we hold, except records restricted by law, security, or dispute handling.

Payment records are treated as account and transaction evidence. We may retain transaction IDs, timestamps, amounts, and wallet references for audit, tax, dispute, security, or legal duties even after account closure.

You can request correction of personal details that are inaccurate or outdated. We may ask for proof before making changes, especially where the change affects identity checks, withdrawals, or payment name matching.

If local law does not permit access from your location, we may restrict account creation, sign-in, transactions, or certain account actions. We apply that decision to comply with the rule that affects your area.

Contact us through your account inbox or registered email with the date, account ID, payment reference, and a clear description of the issue. We review records and reply through your verified contact path.

Legal terms for your 1miba account

Three legal contact paths that work

Six ways we handle legal data

Account data

Cookie choices

Sign-in security

Payment retention

Change requests

Local law checks

Legal questions before you open account

01 Who is bound by the 1miba legal terms?

02 Why do you ask for accurate account details?

03 Can I ask for a copy of my account data?

04 How are UPI, Paytm, and PhonePe records treated legally?

05 Can I correct wrong personal details?

06 What happens if local law does not permit access?

07 How do I raise a legal dispute?

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