Reference

Explore the q22 Terms That Govern Your Account

These terms set out the rules that apply when you open and use a q22 account, including how deposits, withdrawals and account access work for India-based account holders…

Account EligibilityDeposit and Withdrawal RulesUPI, Paytm, PhonePe AcceptedAccount Suspension PolicyGoverning Jurisdiction

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Browse the Core Rules Inside This Agreement

q22 Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

By opening a q22 account, you agree to these terms in full. Access to our platform is available where local law permits — it is your responsibility to confirm that using q22 is allowed under the laws of your jurisdiction before you proceed. We reserve the

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right to suspend or close accounts found in breach of these conditions. All funds deposited through UPI, Paytm or PhonePe are held in line with our wallet policy and are subject to the verification steps described below. We may update these terms from time to time;
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the version published on this page at any given moment is the version in effect. Continued use of your account after a change is posted constitutes acceptance of the revised terms.

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

REACH OUR TEAM

Contact q22 About Any Terms Query

If any clause in these terms is unclear, or if you believe your account has been actioned incorrectly under this agreement, our support team is available around the clock. Raise a query through live chat, drop us an email, or use the in-account help form — we aim to respond to all terms-related queries within 24 hours.

Team online

Live Chat

Start a live chat session from within your q22 account at any time. Our agents can walk you through specific clauses, account actions or dispute steps directly in the chat window.

Email Support

Send your terms-related query to our support address from the email linked to your account. We use your registered address to verify identity before discussing any account-specific details.

In-Account Help Form

Log in and navigate to the Help section to submit a structured query form. This route creates a tracked ticket so you can follow the status of your terms or account dispute at every stage.

HOW WE HANDLE YOUR DATA

See How We Protect Your Account and Data

Your security under these terms goes beyond the words on this page — it shapes every technical and operational decision we make.

Data Retention

We retain your account data for the period required by applicable law and our internal audit obligations. Once that period lapses, personal data is deleted or anonymised in line with our data-handling policy.

Cookie Policy

q22 uses session and persistent cookies to keep your account logged in and to remember preferences. You can manage cookie settings from your browser at any time without losing your saved account details.

Account Security

All accounts are protected by password hashing and two-step login verification. We never store card or UPI credential details on our servers — payment tokens are handled entirely by the payment processor.

Who to Contact for Data Requests

To request a copy of the data we hold on you, or to ask for corrections, contact our data team via the email address listed in the Help section of your account dashboard.

Requesting Changes to Your Record

Submit a written request through the in-account form or by email. We verify your identity against your registered KYC documents before making any amendment to your personal record.

Third-Party Data Sharing

We share account data with payment processors such as UPI and Paytm networks only to the extent needed to complete your transaction. We do not sell personal data to third-party advertisers.

Answers to Common Questions About These Terms

These are the questions our account holders raise most often after reading through the agreement. If your question is not covered here, use the live chat or email support channels listed in the section above and we will respond within 24 hours.

Access to q22 depends on whether your use is permitted under the laws of your state or territory. Where local law allows, these terms apply in full from the moment you open your account and make your first deposit.

We may update the terms at any time by posting a revised version on this page. We aim to notify you by email when changes are material, but the published version is always the one in effect. Continued use means acceptance.

If your account is suspended for a terms breach, we will review the balance and return any funds confirmed as legitimately deposited, less any amounts subject to a pending dispute, within the timeframe stated in our wallet policy.

Log in to your account, go to the Help section and submit a data-access request form. We will verify your identity against your KYC documents and respond within the statutory period applicable to your jurisdiction.

Yes. Every deposit method we accept — UPI, Paytm, PhonePe — is covered by the wallet and dispute clauses in this agreement. The same withdrawal verification steps apply regardless of which payment rail you use.

Contact support via live chat or email with your account ID and a description of the action you dispute. We log every dispute as a tracked ticket and aim to issue a written response within five business days.

These terms are governed by the laws of the jurisdiction under which q22 operates. Where local Indian law applies to a specific clause, that local provision takes precedence to the extent permitted by the governing framework.

Explore the q22 Terms That Govern Your Account

Contact q22 About Any Terms Query

Live Chat

Email Support

In-Account Help Form

See How We Protect Your Account and Data

Data Retention

Cookie Policy

Account Security

Who to Contact for Data Requests

Requesting Changes to Your Record

Third-Party Data Sharing

Answers to Common Questions About These Terms

01 Do these terms apply to me if I am based in India?

02 Can q22 change these terms without notice?

03 What happens to my funds if my account is suspended?

04 How do I request a copy of the data q22 holds on me?

05 Are deposits made via Paytm or PhonePe covered by these terms?

06 How do I raise a formal dispute about an account action?

07 What law governs this agreement?

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