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How x100 Handles Your Personal Data

At x100, we take the privacy of your account and personal data seriously — this page sets out exactly what we collect, why we collect it, and how…

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x100 How x100 Handles Your Personal Data
REACH OUR PRIVACY TEAM

How to Contact Us About Your Data

If you want to access, correct or delete the personal data we hold about you, our privacy team is available through the channels below.

Email Privacy Request Send your data access, correction or deletion request to our dedicated privacy email address. We log every request on receipt and keep you updated at each stage until it is resolved.
Live Chat Support Open the chat widget inside your x100 account and select the Privacy topic. Our agents can raise a formal data request on your behalf and confirm the reference number immediately.
In-Account Settings Visit the Privacy section inside your account settings to download a copy of your stored data directly, update your contact preferences or withdraw marketing consent without contacting us.
DATA HANDLING PRACTICES

How We Protect and Manage Your Account Data

We use industry-standard encryption for data at rest and in transit, meaning your account credentials and payment details — whether entered via UPI, Paytm or PhonePe — are never transmitted in plain…

Encryption in Transit

All data exchanged between your device and our servers travels over TLS encryption. This covers login sessions, payment flows through UPI or PhonePe, and any personal details you update in your account profile.

Cookie Policy

We use session cookies to keep you logged in and analytics cookies to understand how pages are used. You can manage cookie preferences through your browser settings; turning off non-essential cookies does not affect your account access.

Account Security

Your account is protected by a password you set and optional two-factor authentication. We never ask for your password via chat or email — any message claiming to be x100 and requesting your password should be reported to us immediately.

Data Retention Rules

We keep your account data for as long as your account is active and for the period required under Indian financial regulations after closure. Once the retention period ends, data is securely deleted from our systems.

Third-Party Processors

We share data only with processors needed to operate the platform — payment gateways handling your UPI or Paytm transactions, fraud-detection services, and hosting providers. Each processor is bound by a data processing agreement.

Your Rights and Requests

You have the right to access, correct, port or request deletion of your personal data. Submit a written request through email or live chat and our privacy team will respond within the timeframe set by applicable law.

Common Questions About Your Privacy at x100

Below are the questions we hear most often about how x100 collects and uses personal data. If your question is not covered here, reach out to our privacy team directly through live chat or email.

We collect your name, email address, mobile number, date of birth and the payment identifiers linked to your UPI, Paytm or PhonePe account. We also log session activity for security and fraud-prevention purposes.

No. We do not sell or rent your personal data to third-party advertisers. Data is shared only with processors essential to running your account — such as payment gateways for UPI and Paytm transactions — under strict data-processing agreements.

We retain account and transaction records for the period mandated by applicable Indian financial regulations. Once that period ends, data is permanently deleted from our active systems and backup stores.

Send a written request to our privacy team via email or through the in-account live chat. We will verify your identity, compile your data and deliver it to you within 30 days of receiving your request.

Yes. You can submit a deletion request through our privacy email or live chat. We will remove your data unless a legal obligation — such as transaction records required under Indian law — prevents immediate deletion.

We use session cookies for account access and analytics cookies to measure page performance. Non-essential cookies can be disabled in your browser settings without affecting your ability to log in or complete UPI or PhonePe transactions.

Log in and visit the Profile section to update your contact details directly. For corrections to identity documents or payment information, contact our privacy team via live chat and we will process the update within five working days.