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Your Rights and Our Legal Commitments

dream99 operates under a defined legal framework that governs how we run accounts, protect your data, and handle disputes — all subject to the laws applicable in your…

Account TermsPrivacy PolicyData RetentionCookie PolicyDispute Resolution

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How Our Legal Terms Apply to Your Account

dream99 Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

Access to dream99 is available only where permitted under your local law, and by opening an account you confirm that your use of the platform is lawful in your jurisdiction. Our terms are governed by the laws of the territory under which we operate, and any

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dispute arising from your account will be subject to that jurisdiction's legal process. We are not able to accept accounts from regions where local regulation prohibits participation. If you are in India and your access is permitted, these terms apply in full from the moment your
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account is created. Payment activity through UPI, Paytm, or PhonePe is also subject to the applicable financial regulations in India, and you agree that all transactions processed through those rails comply with Indian law.

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

LEGAL CONTACT PATHS

Reach Us on Legal and Policy Matters

If you have a question about your account terms, a data request, or a formal legal enquiry, our support team has dedicated paths for each.

Legal Email Send your formal legal requests, data access enquiries, or policy disputes to our dedicated legal inbox. We acknowledge all emails within one business day and provide a substantive response within seven days.

Live Chat Support Our live chat team can direct you to the correct legal escalation path during operating hours. For account-specific policy questions, chat is the fastest route to get your query routed correctly without delay.

Written Correspondence For formal notices, statutory requests or disputes requiring a paper trail, we accept written correspondence through our registered address. We will confirm receipt and provide a timestamped acknowledgement for your records.

ACCOUNT SECURITY & DATA

How We Handle Your Data and Account Security

Every piece of data associated with your account — from your identity documents to your UPI transaction history — is stored with encryption at rest and in transit.

Data Encryption

All personal data, including payment details linked to UPI, Paytm and PhonePe, is encrypted using current-standard protocols. Your financial information is never stored in plain text at any point in our systems.

Cookie Policy

We use cookies to maintain your session, remember your preferences and analyse site performance. You can manage cookie settings through your browser; essential cookies required for account login cannot be disabled without affecting functionality.

Data Retention

We keep your account records for the duration required by applicable regulations in the jurisdiction we operate under. After the retention period ends, personal data is securely deleted from our active systems.

Account Security

Two-factor authentication is available on all accounts and we strongly encourage you to enable it. Suspicious login attempts trigger an automatic account hold and a notification to your registered contact details.

Data Access Requests

You have the right to request a copy of all personal data we hold about you. Submit your request via our legal email and we will provide a structured data export within the timeframe required by applicable law.

Data Correction & Deletion

If any personal data we hold is inaccurate, you can request a correction at any time. Deletion requests are processed in line with our retention obligations — we will confirm what can be removed and when.

Common Legal and Policy Questions

The questions below address the most frequent legal and policy matters raised by people using dream99 in India. If your question is not covered here, use the legal email channel listed in the contact section above and our team will respond in writing.

Your account is governed by the laws of the territory under which dream99 operates, and by the laws of your local jurisdiction where they apply. Access is only available where local law in your region permits participation.

Send a written data access request to our legal email address. Include your registered account email. We will provide a structured export of your personal data within the timeframe required by applicable law.

Yes. Submit a deletion request via our legal inbox. We will process it in line with our retention obligations and confirm in writing which data has been removed and whether any must be retained under applicable regulations.

We retain account records for the period mandated by the jurisdiction we operate under, typically for regulatory and financial compliance reasons. After that period expires, personal data is securely deleted from our active systems.

Yes. Payment details processed through UPI, Paytm and PhonePe are encrypted and are not shared with third parties except where required by law or to complete the transaction through the relevant payment rail.

Contact our legal team via the dedicated email channel. Provide your account reference and a written description of your concern. We acknowledge all formal complaints within one business day and respond substantively within seven days.

Non-essential cookies can be disabled through your browser settings at any time. Essential session cookies required for account login will remain active; disabling them may affect how your account functions during a session.

Your Rights and Our Legal Commitments

Reach Us on Legal and Policy Matters

How We Handle Your Data and Account Security

Data Encryption

Cookie Policy

Data Retention

Account Security

Data Access Requests

Data Correction & Deletion

Common Legal and Policy Questions

01 Which laws govern my dream99 account?

02 How do I request a copy of the personal data you hold about me?

03 Can I ask dream99 to delete my personal data?

04 How long does dream99 retain my account data after I close my account?

05 Are my UPI and Paytm transaction details kept private?

06 What should I do if I believe my legal rights have been violated?

07 How do I opt out of cookies that are not essential?

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