Reference

Open Your Account Knowing the Full Terms

These Terms & Conditions govern your use of w55 — including how your account is created, how your wallet operates with UPI, Paytm and PhonePe, and what responsibilities…

Applies to all India accountsCovers UPI, Paytm & PhonePe walletsJurisdiction-dependent accessUpdated when policy changesContact us for any query
w55 Open Your Account Knowing the Full Terms
TERMS CONTACT PATHS

Reach Us About Any Term or Clause

If any clause in these Terms & Conditions is unclear or you believe an error has been made in applying them to your account, our support team is available to review your concern and respond in writing. We do not resolve disputes verbally — all formal queries related to these terms must be submitted through one of the channels below so there is a documented record.

Team online

Email Support

Send a written query to our support address for any terms-related concern. We aim to respond within 48 hours with a documented, referenced reply tied to the relevant clause.

Live Chat

Our chat agents can clarify how a specific clause applies to your account in real time. For formal disputes, chat transcripts are saved and can be escalated to the review team.

Help Centre

The Help Centre on w55 contains plain-language explanations of each major policy area, including wallet rules, account suspension grounds, and how to raise a formal objection.

HOW WE HANDLE POLICY

Browse the Six Pillars We Stand On

These six points explain how w55 applies its Terms & Conditions in practice — from data handling to account security and the steps you take if something needs changing.

Data Handling

We collect only the data needed to verify your identity and process your transactions via UPI, Paytm or PhonePe. Your data is not sold to third parties and is stored under industry-standard encryption at rest and in transit.

Cookie Use

We use session cookies to keep your account logged in and analytical cookies to understand how pages are used. You can manage cookie preferences from your browser settings; disabling all cookies may limit certain account features.

Account Security

Two-step verification is available for all accounts. We recommend enabling it immediately after registration. If you suspect unauthorised access, contact us through the email channel so we can freeze the account and investigate.

Data Retention

Account records, transaction logs and identity documents are retained for the period required under applicable Indian regulations. You may request a summary of the data we hold on you through our support email.

Policy Change Notice

When we update these Terms & Conditions, we publish the effective date at the top of this page and send a notification to your registered email. We do not apply new terms retroactively to completed transactions.

Requesting Changes

If you wish to correct personal data on your account, update contact details, or close your account entirely, submit the request in writing via our support email. We action verified requests within five working days.

Explore Common Questions on Our Terms

These questions cover what account holders ask us most frequently about how the Terms & Conditions work in practice. If your question is not listed here, contact our support team directly for a clause-specific answer.

Yes. Completing the registration process constitutes acceptance of these terms in full. If you do not agree with any clause, you should not create an account or continue using the service.

We will notify you via your registered email and display the change on this page with an updated effective date. Continuing to use your account after that date means you accept the revised terms.

Access depends on local law in the region where you are located. You are solely responsible for ensuring that your use of the platform is permitted under the laws applicable to you at the time of access.

All wallet transactions — whether via UPI, Paytm or PhonePe — are subject to these Terms & Conditions. Deposit and withdrawal rules form part of the terms; any dispute over a transaction must be raised through our support email.

We collect name, contact details, identity documents and transaction records needed to verify your account and process payments. Full details of how this data is used and retained are described in the Privacy Policy linked from this page.

Submit a written request to our support email with details of the correction needed. We verify your identity before making any changes and action confirmed requests within five working days of verification.

We may suspend or close an account if it is found to be in breach of these terms — including providing false identity documents, misusing the wallet system, or accessing the platform from a jurisdiction where it is not permitted by local law.