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How joya9 Handles Your Personal Data

At joya9, we are clear about what personal data we collect when you open an account, how we use it, and the rights you hold over it at…

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What This Privacy Policy Covers

joya9 Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

This policy applies to all data collected through joya9.cyou and any associated account services available where local law permits. When you register, deposit via UPI, Paytm or PhonePe, or contact our support team, you share certain personal details with us. We collect only what is necessary

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— your name, contact details, payment identifiers and account activity. We do not sell your data to third-party advertisers. Data shared in connection with payment processing via UPI or Paytm is handled under those providers' own frameworks alongside ours. Your eligibility to use joya9 services depends
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on local law in your region, and this policy governs data handling only for those to whom access is lawfully available.

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

PRIVACY CONTACT PATHS

Reach Us About Your Privacy Rights

Email Privacy Team Send your data access, correction or deletion requests to our dedicated privacy address. We aim to acknowledge your request within 48 hours and resolve it within 30 days of receipt.

Live Chat Support Our live chat team is available around the clock to log your privacy concern and route it to the correct internal team. Start a chat from any page on joya9.cyou for a direct line.

Formal Written Request For formal data subject requests — such as full data export or permanent account data erasure — submit a written request through the contact form. We verify your identity before processing any such request.

HOW WE PROTECT YOU

Our Commitments on Data, Cookies and Account Security

We apply layered security practices across every part of your account — from the moment you deposit via PhonePe to the moment you request a withdrawal.

Data Encryption at Rest and in Transit

All personal data stored on our servers is encrypted. Data moving between your browser and joya9.cyou travels over TLS, so your account details and payment identifiers are not exposed in transit.

Cookie Use and Your Choices

We use functional cookies to keep your session active and analytics cookies to understand how pages are used. You can adjust cookie preferences in your browser settings at any time without losing your account access.

Account Access Controls

Your account is protected by password authentication. We recommend a strong, unique password. Any suspicious login activity triggers an automatic alert to the email address tied to your account.

Data Retention Periods

We retain your account data for as long as your account is active and for a defined period after closure, as required by applicable law. After that window, personal identifiers are deleted or anonymised from our systems.

Who Can Access Your Data Internally

Only staff with a direct operational need — such as payment verification or support resolution — can access your personal data. Access is logged and reviewed periodically to prevent unnecessary exposure.

Requesting Changes to Your Data

You can request a correction, export or deletion of your personal data at any time. We verify your identity first, then process the request within 30 days. Reach us via live chat or the email privacy channel listed above.

Common Questions About Your Data at joya9

If you have a specific question not covered below, our support team is available around the clock and can escalate any complex privacy matter to our data team on your behalf.

We collect your name, email address, phone number and date of birth at registration. When you make a deposit via UPI, Paytm or PhonePe, we also record the transaction reference needed to verify that payment to your account.

We share data only with payment processors like UPI networks, Paytm and PhonePe to complete transactions, and with service providers who help us operate the platform. We do not sell personal data to advertisers or unrelated third parties.

Send a written data access request to our privacy email. We will verify your identity and then provide a summary of the personal data we hold within 30 days. Live chat can also log the request on your behalf.

Yes. Submit a deletion request via the contact form or privacy email. After identity verification, we will erase or anonymise your personal identifiers, subject to any retention periods required by applicable Indian law.

We retain account records for the period required under applicable law following account closure. Once that period ends, personal identifiers are deleted or fully anonymised so they can no longer be linked back to you.

We store only the transaction reference and amount needed to credit your account. Full UPI VPA details and Paytm wallet credentials are handled by those payment providers directly; we do not hold your full payment credentials on our servers.

We use session cookies for account login and analytics cookies to improve the site. You can disable non-essential cookies in your browser settings. Disabling session cookies may affect account login, but your saved account data is unaffected.

How joya9 Handles Your Personal Data

Reach Us About Your Privacy Rights

Our Commitments on Data, Cookies and Account Security

Data Encryption at Rest and in Transit

Cookie Use and Your Choices

Account Access Controls

Data Retention Periods

Who Can Access Your Data Internally

Requesting Changes to Your Data

Common Questions About Your Data at joya9

01 What personal data does joya9 collect when I open an account?

02 Does joya9 share my data with third parties?

03 How can I request a copy of the data joya9 holds about me?

04 Can I ask joya9 to delete my account data?

05 How long does joya9 keep my data after I close my account?

06 Are my UPI and Paytm payment details stored on joya9 servers?

07 What cookies does joya9 use and how do I control them?

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