Reference

Legal terms before you open x400

x400 brings our account rules, privacy duties, cookie choices and eligibility wording into one legal page, so you can check the terms before you open your account.

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Your legal access rules in India

x400 Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

Before you join, read this page as the legal contract between you and x400 for account access, data use, wallet records and support requests. We do not treat legal access as one rule for every place in India. Eligibility, account use and account visibility can change

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with state rules, court orders, service availability and the checks we must run before wallet activity is approved. Where local law does not permit access, the account flow may be paused or closed, even if you have used the site before. Payment names such as UPI,
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Paytm, PhonePe and Google Pay appear here only as record channels; each transaction may still need matching, verification and retention under our legal duties.

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

CONTACT ROUTES

Reach the right legal support path

Legal questions should reach the right desk, not a general lobby message. If you need the latest copy of terms, want to correct account details, or believe a wallet entry needs checking…

Terms desk Use the legal contact path when you need copies of terms, privacy clauses or eligibility wording. Include your account email and country or state, but leave out passwords and payment PINs.

Account data help Ask this team to correct spelling, phone, email or state details linked to your account. We may request proof before applying a change, because legal records must match wallet and sign-in records.

Wallet record check Send UPI, Paytm or PhonePe reference IDs when a transaction record is part of a legal query. We use those IDs to match account entries without asking for PINs or bank passwords.

DATA CARE

How we handle legal records

Our legal handling starts with the data needed to run your account, verify access and keep wallet records aligned.

Account identity data

We collect the details needed to create and protect your account, such as contact fields, sign-in logs and verification checks. Legal access to these records is limited to trained staff and recorded internally.

Payment record handling

Wallet records show method name, amount, time, status and reference ID for UPI, Paytm, PhonePe or Google Pay entries. These details support legal accounting, dispute checks and anti-fraud screening.

Cookie use

Cookies help us keep sign-in sessions active, remember consent choices and detect unusual account access. Where consent is required, the cookie banner or browser settings let you manage eligible categories.

Account security records

Security logs may include device signals, IP region, failed sign-ins and session changes. We use them to investigate account access questions and to meet legal duties around fraud prevention.

Retention periods

Some legal records are kept after account closure because payment disputes, tax checks or fraud investigations may continue. We remove or reduce data when retention is no longer required.

Change requests

Ask us to correct, access or remove eligible data through account chat or email. We may need proof of identity before changing legal records linked to your wallet.

Legal questions before you join

These answers focus only on legal terms, data rights, account access and contact routes. They do not replace the full terms, but they help you find the parts that affect your account before you share data or use the wallet. If your question depends on state law in India, we will treat access as available only where local law permits.

We want you to see the contract terms before you share data, use the wallet or accept account rules. Reading them first helps you decide whether the legal duties fit your situation.

No. Access depends on local law and is available where local law permits. If rules in your state restrict access, we may block account creation, suspend features or close the account flow.

We use contact fields, sign-in logs, device signals, payment references and verification results. These records help confirm account ownership, meet legal duties and handle wallet disputes through support.

Cookies support sign-in security, language choice, fraud checks and consent records. You can manage browser controls, but some account or wallet pages may need session cookies to meet security and legal duties.

Send a request through account chat or email with the field you want changed and proof where needed. We check the request against wallet, sign-in and verification records before updating data.

Reference IDs help us match wallet entries to your account without asking for sensitive payment credentials. They also create an audit trail for disputes, reversals and legal accounting requirements.

If a state rule, court direction or service condition changes, we may adjust account access, wallet functions or document requests. We will point you to the relevant legal terms before further action.

Legal terms before you open x400

Reach the right legal support path

How we handle legal records

Account identity data

Payment record handling

Cookie use

Account security records

Retention periods

Change requests

Legal questions before you join

01 Why do you show legal terms before account opening?

02 Can I access x400 from anywhere in India?

03 What data is used for legal account checks?

04 How do cookies fit into the legal terms?

05 How can I ask for a correction?

06 Why keep UPI, Paytm and PhonePe reference IDs?

07 What happens if rules change in my state?

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