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How sk21 Handles Your Personal Data

At sk21, your personal data belongs to you — we collect only what we need to run your account, process payments via UPI, Paytm or PhonePe, and keep…

Data collected only as neededUPI & Paytm account privacyYour right to access or deleteEncrypted data storageIndia-specific data handling
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sk21 How sk21 Handles Your Personal Data
REACH OUR PRIVACY TEAM

How to Contact Us About Your Data

If you have a question about how your personal data is handled, want to request a copy of the data we hold, or wish to ask us to delete it, our privacy…

Email Privacy Team Send your data request or privacy question to our dedicated privacy inbox. Include your registered mobile number so we can locate your account and respond accurately within the 30-day window.
Live Chat Support Start a live chat session from any page on sk21.org and ask to be connected to the privacy team. Our agents are available around the clock and can log a formal data request on your behalf.
In-Account Request Form Log into your account, go to Settings, and use the Data and Privacy section to submit a request. This is the fastest route as your identity is already verified through your UPI or Paytm login.
DATA HANDLING PRACTICES

Six Ways We Safeguard Your Account Data

From the moment you open an account with sk21, we apply a set of consistent data-handling practices covering encryption, access controls, retention limits and your personal rights.

Encrypted Storage

All personal data — including your name, mobile number and payment identifiers linked to UPI or Paytm — is stored using industry-standard encryption. Data is not readable in plain text by anyone outside the authorised technical team.

Cookie Controls

We use cookies to keep you logged in, remember your language preference and measure which pages you visit. You can adjust or withdraw cookie consent at any time through the cookie settings panel in your account dashboard.

Account Security Layers

Your account is protected by password authentication and, where available, a one-time PIN sent to your registered mobile. We do not store raw passwords — only a hashed version that cannot be reversed or read by our staff.

Retention and Deletion

We keep your account data for as long as your account is active and for a limited period after closure, as required by applicable Indian financial regulations. Once the retention period ends, data is deleted or anonymised.

Your Right to Access

You can request a full export of the personal data we hold on your account at any time. We provide this in a readable format within 30 days. This right is available where local law in India permits, and we do not charge a fee for standard requests.

Third-Party Data Sharing

We share your data only with partners directly needed to run your account — payment processors like PhonePe and Paytm, identity verification services, and our fraud-prevention tools. We do not share data with advertisers or data brokers.

Your Privacy Questions Answered

Below are the questions we receive most often about how we collect and handle personal data at sk21. If your question is not covered here, reach out through the privacy contact channels listed above and our team will get back to you.

We collect your name, email address, date of birth, mobile number and the payment identifier associated with your UPI, Paytm or PhonePe account. We collect only what is needed to verify your identity and process transactions.

Payment reference identifiers are stored in an encrypted format and are accessible only to the systems that need them for transaction processing. We do not store full bank account numbers or card details on our servers.

Yes. Log into your account, go to Settings, and use the Data and Privacy section to submit an export request. We deliver the data in a readable file within 30 days, subject to what local law in India permits.

Submit a deletion request through your account settings or contact the privacy team by email or live chat. We will delete or anonymise your data once any legally required retention period under applicable Indian regulations has passed.

We share data only with partners required to operate your account — payment processors including Paytm and PhonePe, identity verification providers and fraud-prevention services. Your data is not sold to advertisers or data brokers.

We retain account data for a limited period after closure as required by applicable financial and anti-fraud regulations in India. Once that retention window closes, data is either deleted or rendered anonymous and no longer linked to you.

Contact our privacy team through email, live chat or the in-account form. You also have the right under applicable Indian data protection law to escalate a complaint to the relevant regulatory authority if you are not satisfied with our response.

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