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How x400 Handles Your Personal Data

At x400, we treat the personal data you share with us — your name, contact details, payment method choices like UPI or PhonePe, and account activity — as…

Data collected only for account operationUPI & PhonePe transaction data securedYour right to access and correct dataClear retention and deletion timelinesIndia-applicable data handling practices
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x400 How x400 Handles Your Personal Data
PRIVACY CONTACT PATHS

How to Reach Us About Your Data

If you have a question about how x400 handles your personal information, or if you want to submit a data access or deletion request, our privacy support team is reachable through the…

Email Privacy Team Send your data access, correction or deletion request to our dedicated privacy email address. Include your registered account email so we can verify your identity and locate your records promptly.
Live Chat Support Start a live chat session from inside your account dashboard and select the Privacy and Data topic. Our support team can log your request and route it to the privacy team on your behalf.
Help Centre Form Use the online form in our Help Centre under Account and Privacy. Fill in your query type, attach any relevant screenshots, and submit — you will receive a reference number by email within minutes.
DATA HANDLING PRACTICES

Six Ways We Protect and Respect Your Data

Data security at x400 is built into every layer of the account lifecycle — from the moment you enter your UPI handle during a deposit to the day you request account closure.

Encrypted Data Storage

All personal and financial data — including Paytm and PhonePe transaction references — is stored using AES-256 encryption at rest. Only authorised internal processes can decrypt records, and all access attempts are logged automatically.

Cookie Controls

We use session cookies to keep you logged in and analytics cookies to understand how pages perform. You can manage non-essential cookie preferences through the cookie settings panel available on every page of our site.

Account Security Layers

Your account is protected by password hashing and optional two-step verification. We never store your UPI PIN or Paytm wallet credentials — those remain entirely within the respective payment provider's secure environment.

Data Retention Schedule

We retain active account data for as long as your account remains open. After closure, transaction records are held for the period required by applicable Indian financial regulations, then securely deleted on a rolling schedule.

Your Right to Request Changes

You may request a copy of the personal data we hold, ask us to correct inaccurate details, or request deletion of data that is no longer necessary. We process these requests through the privacy support channels listed on this page.

Third-Party Data Sharing

We share data with payment processors like UPI networks and PhonePe solely to complete your transactions. We share data with identity verification partners only when required by law. No data is shared for advertising or marketing purposes.

Common Questions About Your Privacy at x400

These questions cover the situations India account holders ask about most when it comes to their personal data — from what gets collected when you pay via UPI, to how you go about closing your account and ensuring your information is removed. If your question is not answered here, our privacy support team is available through live chat and email.

We collect your name, email address, date of birth, phone number and the payment method details you provide — such as your UPI ID or Paytm-linked mobile number. We also record device information and your IP address at login for fraud prevention purposes.

No. Your UPI PIN and PhonePe credentials are handled entirely by the respective payment network. x400 only receives a transaction reference confirming that a payment was completed or failed — we never see or store your authentication credentials.

Transaction records and identity documents are retained for the period mandated by applicable Indian financial and anti-money-laundering regulations after account closure. Once that retention period expires, your data is deleted securely from our systems on a scheduled basis.

Yes. Submit a data access request through the Help Centre form or by emailing our privacy team with your registered account email. We will compile and send you a summary of the personal data we hold within 15 business days of verifying your identity.

Access is restricted on a need-to-know basis. Account support staff can view contact and payment method details to resolve queries. Financial compliance teams access transaction records when required. All internal access is logged, audited and subject to regular internal review.

We do not share or sell your data to advertisers or marketing platforms. Data is shared only with payment processors (UPI networks, Paytm, PhonePe) to complete transactions, and with identity verification or legal authorities when required by applicable law.

Send a deletion request via email or the Help Centre form, quoting your registered account email. Once your identity is confirmed, we will process the deletion within 15 business days, subject to retaining any records legally required under Indian financial regulations.

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