When this policy applies
When you use k13x from India, we may collect the details you enter during sign-in or account setup, the contact route you choose, device and browser signals, and transaction references tied to UPI, Paytm, PhonePe, or Google Pay. We use that data to run the account,
-
1
confirm requests, keep sessions stable, and handle disputes or reversals. Cookies help us remember language choice, session state, and basic anti-abuse checks. You can clear many cookies in your browser, though some pages may ask for a fresh sign-in after that. If local law requires us
-
2
to keep certain records for audit, verification, or dispute handling, we keep them only for the required period and then remove or anonymise them where the law allows. This policy applies only in places where local law permits the service.
Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.