Reference

Explore the Rules That Govern Your Account

These Terms and Conditions set out the agreement between you and ematka when you open an account and access our lobby, available where local law permits.

Account EligibilityDeposit and Withdrawal RulesLobby Access TermsUPI, Paytm, PhonePe ConditionsDispute and Contact Process

Explore the Lobby Read FAQ

Understand Where and How These Terms Apply

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

These Terms and Conditions apply to all account activity on ematka, including deposits made via UPI, Paytm, and PhonePe, withdrawals processed to linked accounts, and access to any section of our lobby. Your use of the platform from India is subject to applicable local law —

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if access or participation in any feature is restricted under your local jurisdiction, those restrictions override any general permissions stated here. We update these terms when our services change, and the version published on this page at the time of your session is the version that
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governs your activity. Continued use of your account after an update constitutes acceptance. If you disagree with any revised term, you should contact our support team before proceeding further with your account.

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

CONTACT AND QUERIES

Reach Us About Any Terms-Related Question

If any clause in these Terms and Conditions is unclear, or if you believe your account has been handled in a way that does not match…

HOW WE HANDLE YOUR ACCOUNT

Browse the Six Pillars of Our Account Standards

Every commitment below is tied to a specific clause in these Terms and Conditions. We keep these practices consistent so you know exactly what to expect when you open your account, deposit…

Data Handling

We collect only the account data needed to verify your identity and process transactions. Your data is stored in encrypted form and is never shared with third parties outside of legally required disclosures or payment processing.

Cookie Policy

Our platform uses session and preference cookies to keep your account logged in and remember your lobby settings. You can manage cookie permissions at any time through your browser settings without affecting core account functions.

Account Security

Two-step verification is available for all accounts. We recommend enabling it when you first log in. Any suspicious login attempt triggers an automatic flag and a notification to your registered contact details.

Data Retention

Account records, transaction histories, and communication logs are retained for the period required by applicable law. You may request a copy of your data or ask about retention timelines by writing to our support email.

Change Requests

To update personal details — including your linked UPI handle, Paytm number, or PhonePe account — submit a verified request through live chat or email. Changes take effect after identity confirmation, usually within one working day.

Dispute Resolution

If you disagree with a transaction decision or an account restriction, raise a formal dispute via email within 30 days of the event. We will review the case against these Terms and send a written outcome within seven working days.

Get Answers on Your Rights and Account Rules

These questions cover the clauses our account holders ask about most often. Each answer points back to a specific area of these Terms and Conditions so you can locate the full text if you need it.

These Terms apply to every person who opens an account on ematka and accesses the lobby, subject to local law. If your jurisdiction restricts such activity, those legal restrictions take precedence over anything stated here.

We publish the updated Terms on this page with a revised date. Continuing to use your account after that date counts as acceptance. If you do not agree, contact support before your next session and we will explain your options.

Yes. Send a written request to our support email with your account details and the specific data you need. We will respond within the timeframe required by applicable law, typically within 30 days of receiving your request.

Email our support team within 30 days of the event in question. Include your account ID, the transaction reference, and a description of your concern. We aim to send a written outcome within seven working days of receiving your dispute.

Deposits through UPI, Paytm, and PhonePe must originate from an account registered in your own name. Transfers from third-party accounts will be flagged, may be reversed, and could result in a review of your account under our verification clause.

Withdrawals are processed after we confirm the payment method is linked to your verified account. If additional identity documents are needed, our team will contact you by email and the withdrawal is held until verification is complete.

Submit a request through live chat or email with proof of the update you need — such as a new UPI handle or PhonePe number. After identity confirmation, changes are applied within one working day and you receive a written confirmation.

Explore the Rules That Govern Your Account

Reach Us About Any Terms-Related Question

Browse the Six Pillars of Our Account Standards

Data Handling

Cookie Policy

Account Security

Data Retention

Change Requests

Dispute Resolution

Get Answers on Your Rights and Account Rules

01 Who do these Terms and Conditions apply to?

02 What happens if ematka updates these Terms?

03 Can I request a copy of my personal data?

04 How do I raise a dispute about a transaction or account decision?

05 Are there special conditions for deposits via UPI, Paytm, or PhonePe?

06 What verification is required before a withdrawal is processed?

07 How do I ask for a change to my account details?

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