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Terms and Conditions That Govern Your Account

These terms and conditions set out what you agree to when you open an account on thambola, how we handle your access, and the rules that apply to…

Account Eligibility RulesDeposit and Withdrawal TermsUPI and Paytm ConditionsAccount Suspension PolicyGoverning Jurisdiction Clause

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Who These Terms Apply To and Where

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

Access to thambola is available only where local law in India permits. By opening an account, you confirm that your use of this platform is lawful under the laws that apply in your state and region. These terms govern every aspect of your account — from

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how you fund your wallet using UPI, Paytm, or PhonePe, to how withdrawals are processed and how disputes are escalated. We reserve the right to update these terms; when we do, we notify you by email before changes take effect. Continued use of your account after
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a notice period constitutes acceptance of the revised terms. If you disagree with any update, the correct action is to close your account and withdraw your remaining balance before the effective date.

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

TERMS SUPPORT CHANNELS

Reach Us About These Terms Directly

If any clause in these terms is unclear, or if you believe a term has been applied to your account incorrectly, our support team handles term-related queries through three channels. Account holders in Mumbai and Delhi have found live chat the fastest route for urgent term-related concerns. We aim to acknowledge every written complaint within 24 hours and resolve it within five working days.

Team online

Live Chat

Available around the clock inside your account dashboard. Use this channel for immediate clarification on any clause, account restriction, or withdrawal condition before escalating to a formal complaint.

Email Support

Send detailed term-related queries or formal disputes to our legal support address. We issue a written response within 24 hours and keep a record of all correspondence for your reference.

Help Centre

Our help centre hosts plain-language summaries of every major clause in these terms, including rules on UPI and PhonePe transactions, account suspension, and the appeals process for account decisions.

HOW WE UPHOLD THESE TERMS

Data, Security and Account Rights Under Our Policy

Every commitment in these terms is backed by concrete operational practices — here is how we handle the areas that matter most to your account.

Data Handling

We collect only the data necessary to verify your identity, process transactions via UPI and Paytm, and comply with applicable Indian regulations. Your data is never sold to third parties or used for purposes outside your account.

Cookie Policy

Cookies on thambola are used to keep your session active, remember your preferred payment method — whether Paytm or PhonePe — and measure which parts of the platform you use most, so we can improve them.

Account Security

Your account is protected by two-factor authentication and session-timeout rules. Any login from an unrecognised device triggers an email alert so you can confirm or block the access immediately.

Data Retention

We retain your account and transaction records for the period required by applicable Indian financial regulations. After your account is closed, anonymised data may be held for up to seven years for audit purposes.

Right to Request Changes

You can request a correction to your personal data at any time via email or live chat. We process correction requests within five working days and confirm the change in writing to your registered email address.

Complaints and Escalation

If our support team cannot resolve your term-related dispute, you may escalate in writing to our compliance contact. We acknowledge escalations within two working days and issue a final decision letter within 14 days.

Answers to Common Questions About These Terms

These questions cover the clauses account holders ask about most — eligibility, payment rules, account suspension, data rights, and how to dispute a decision made under these terms. If your question is not answered below, use live chat or email for a written response.

Eligibility depends on local law in your Indian state or territory. You must confirm that accessing and using thambola is lawful where you are located. We do not accept accounts from regions where such activity is prohibited under applicable law.

We may update these terms and will notify you by email before changes take effect. You retain the right to close your account and withdraw your balance within the notice period if you do not accept the updated terms.

These terms apply to all transactions made through UPI, Paytm, and PhonePe on your account. Each payment method has its own processing rules, and any dispute about a specific transaction should reference the relevant clause in Section 4 of these terms.

After account closure, your personal data is retained for the period required under Indian financial regulations — typically up to seven years in anonymised form. You may request deletion of non-regulated data by contacting our support team in writing.

Start by contacting live chat or email support with full details of your dispute. If the matter is unresolved after five working days, you may escalate in writing to our compliance team, who will issue a final decision letter within 14 working days.

Yes. Accounts may be suspended if we detect activity that breaches these terms, including providing false identity information, using payment methods not linked to your verified identity, or accessing the platform from a jurisdiction where it is not permitted.

Submit a correction request via email or live chat, specifying which data is incorrect and what the accurate information should be. We process corrections within five working days and confirm the change to your registered email address.

Terms and Conditions That Govern Your Account

Reach Us About These Terms Directly

Live Chat

Email Support

Help Centre

Data, Security and Account Rights Under Our Policy

Data Handling

Cookie Policy

Account Security

Data Retention

Right to Request Changes

Complaints and Escalation

Answers to Common Questions About These Terms

01 Who is eligible to open an account under these terms?

02 Can thambola change these terms without my consent?

03 What payment methods are covered by these terms?

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

05 How do I dispute a decision made under these terms?

06 Can my account be suspended under these terms, and for what reasons?

07 How do I request a correction to my personal data held under these terms?

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