Reference

Our Legal Framework for Your Account

5rcycle operates under a defined set of terms that govern every account, transaction and interaction on this platform — all shaped to align with applicable Indian law where…

Terms of UsePrivacy PolicyCookie PolicyAccount RulesJurisdiction Clause

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What Our Terms Actually Cover

5rcycle Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

Our terms of use set out the conditions under which you may access 5rcycle, the rights you hold over your account data, and the obligations both parties carry. Access to this platform depends on local law and is available only where local law permits. Any deposit

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you make via UPI, Paytm or PhonePe is governed by the payment terms referenced at checkout, and those terms reference the broader account agreement. We do not share payment credentials with third parties. Account data is stored on encrypted servers, and we retain transactional records only
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for the period required by applicable regulation. Where Indian law imposes a specific obligation on us — whether around data localisation, tax reporting or consumer rights — those obligations take precedence over our general policy language. We update these terms when regulation changes, and we notify
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you via the registered email address on your account before any material change takes effect.

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

LEGAL CONTACT PATHS

Reach Our Legal and Policy Team

If you have a question about how a specific clause applies to your account, or if you want to raise a dispute under our stated terms, these are the direct paths to…

Email Legal Queries Send detailed legal or policy questions to our compliance address. We acknowledge every message within 24 hours and deliver a substantive response within five working days for standard account matters.

Live Chat Policy Support Our chat agents can route your query to the legal or compliance team directly. Available during Indian business hours, the chat window is accessible from every page of your account dashboard without navigating away.

Formal Dispute Portal Submit a formal dispute through the dedicated portal in your account settings. You will receive a case reference number immediately, and our team reviews submissions under the timelines stated in our dispute resolution clause.

HOW WE HANDLE THIS

Data, Security and Account Retention at 5rcycle

We apply verifiable practices across every area of your account — from the moment you register to the point where you request deletion.

Data Handling

Personal data you provide during account creation is processed under our privacy notice. We collect only what is necessary for account operation, identity verification and fraud prevention — no extraneous profiling beyond those purposes.

Cookie Policy

Cookies on this site fall into three categories: essential, analytics and preference. You can adjust analytics and preference cookies from the cookie settings panel without affecting your account session or payment flow via UPI or PhonePe.

Account Security

We enforce two-factor authentication prompts when a new device logs into your account, and all sessions are encrypted end-to-end. Suspicious login attempts trigger an automatic email alert to your registered address within seconds.

Data Retention

Account records are retained for the period required by applicable Indian financial regulation. Once that period lapses and your account is closed, we purge personal data from our active systems within 30 days and archive only what regulation mandates.

Who to Contact

Our Data Protection Officer handles all requests related to access, correction and deletion of personal data. The DPO's contact address is listed in the privacy policy section of your account settings under 'Your Rights'.

Requesting Changes

You may request a correction to your account data or a full data export at any time by submitting a request through the account portal. We complete verified requests within 15 working days and confirm completion by email.

Legal FAQs for Your 5rcycle Account

These answers address the most common questions we receive about account rights, data access and the scope of our terms. If your question is not covered here, the legal contact paths above connect you to the right team.

Our terms apply to every person who opens an account on this platform. Access depends on local law and is available only where local law in your jurisdiction permits it. Creating an account constitutes acceptance of the current version of our terms.

Yes. Submit a data access request through the 'Your Rights' section in your account settings. We verify your identity, then deliver a full export of your personal data within 15 working days to your registered email address.

Log into your account, navigate to account settings, and use the data correction request form. Our team reviews and applies verified corrections within 15 working days, then sends a confirmation email once the update is complete.

After account closure, we retain only the records required by applicable Indian financial regulation. Personal data beyond that regulatory minimum is purged from our active systems within 30 days of the confirmed closure request.

Submit your dispute through the formal dispute portal in your account settings. You receive a case reference number immediately. Our compliance team reviews the submission and responds within the timelines set out in our dispute resolution clause.

Yes. Where Indian law imposes specific obligations — on data localisation, consumer rights or transaction reporting — those obligations take precedence over our general policy language. Access is available only where local law in your state or territory permits.

We send a notification to the email address registered on your account before any material change to our terms takes effect. The updated version is also published in the legal section of your account settings with a clear effective date.

Our Legal Framework for Your Account

Reach Our Legal and Policy Team

Data, Security and Account Retention at 5rcycle

Data Handling

Cookie Policy

Account Security

Data Retention

Who to Contact

Requesting Changes

Legal FAQs for Your 5rcycle Account

01 Who does 5rcycle's legal policy apply to?

02 Can I request a copy of the data 5rcycle holds about me?

03 How do I ask for my personal data to be corrected?

04 What happens to my data if I close my account?

05 How are disputes about my account handled under your terms?

06 Does Indian law affect which parts of your terms apply to me?

07 How will I know if your terms change?

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