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Terms and Conditions That Govern Your Account

These terms set out the rules that apply when you open and use a legal11 account, including how we handle deposits via UPI, Paytm, and PhonePe, what you…

Account eligibility subject to local lawUPI, Paytm & PhonePe coveredGoverned by applicable Indian law

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Where These Terms Apply and What They Cover

legal11 Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

These terms apply to every account holder who accesses legal11 from a region where doing so is permitted under local law. Eligibility to create and use an account depends entirely on the laws of the jurisdiction in which you are located — we make no representation

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that access is lawful in every region. By continuing past the account creation screen, you confirm that your access complies with applicable local rules. Deposits and withdrawals processed through UPI, Paytm, or PhonePe are subject to the specific transaction limits, processing windows, and verification steps set
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out in the payments section of your account dashboard. We reserve the right to update these terms periodically; any material change will be communicated via the email address tied to your account at least seven days before it takes effect. Continued use after that date constitutes
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acceptance.

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

REACH OUR POLICY TEAM

How to Contact Us About These Terms

If any clause in these terms is unclear, or if you need to raise a dispute relating to your account or a transaction made through UPI, Paytm, or PhonePe, our support team…

Live Chat The live chat window inside your account dashboard connects you directly to a policy-trained agent. Available 24 hours a day, seven days a week, with a typical first response in under two minutes.

Email Support Send a detailed query to our support address found in the contact section of your account settings. We aim to resolve term-related queries within 24 hours and send a written confirmation once the matter is closed.

Help Centre Our self-serve help centre contains clause-by-clause explanations of common term questions, UPI and Paytm transaction rules, and account-status queries — accessible without logging in from any device.

HOW WE UPHOLD THIS POLICY

Data, Security and Account Integrity Under These Terms

Your account data and transaction history are handled according to the principles set out in these terms and our privacy policy.

Data Retention

Account and transaction records — including all UPI, Paytm, and PhonePe deposits and withdrawals — are retained for a minimum of five years from the date of each transaction, in line with applicable financial regulations.

Cookie Policy

We use session cookies to keep you logged in and preference cookies to remember your lobby settings. No third-party advertising cookies are placed without your explicit consent via the cookie banner shown at first visit.

Account Security

Passwords are stored as salted hashes — we cannot read them, only verify them. Two-factor authentication via SMS or an authenticator app is available from account settings and we strongly encourage you to enable it.

Withdrawal Verification

Before processing a withdrawal to your linked UPI handle or Paytm wallet, we run an identity check against the details submitted at registration. This step ordinarily adds no more than a few minutes to the payout window.

Requesting Changes

To update the name, address, or payment details on your account, submit a request through live chat or email with a supporting document. Changes are applied within 48 hours and you receive an email confirmation.

Policy Contact

For formal term-related correspondence — including complaints escalated beyond first-line support — write to the legal11 policy address listed at the foot of the help centre. We acknowledge formal complaints within two business days.

Answers to Common Questions About These Terms

The questions below address what we hear most often from account holders in Chennai and across India who want to understand their rights, how their data is used, and what to do if something in these terms affects their account. If your question is not covered here, live chat is the fastest route to a specific answer.

Yes, these terms can be updated. We send an email to your registered address at least seven days before any material change takes effect. Continuing to use your account after that date means you accept the revised version.

Access to legal11 and eligibility to hold an account depend on local law where you are located. If your region does not permit access, you are required to close your account, and any open balance will be returned via your last verified payment method.

Yes. Submit a data-access request through email support with your account ID. We will compile and deliver your account and transaction data in a readable format within 30 days of verifying your identity.

Every UPI, Paytm, and PhonePe transaction is logged in your account wallet with a unique reference number, the amount, the method used, and a timestamp. You can export a dated CSV from the transaction history tab at any time.

We may suspend an account if we detect activity that breaches these terms — such as duplicate accounts or payment disputes. You will receive an email explaining the reason, and you may appeal through formal policy correspondence within 14 days.

Request account closure via live chat or email. Active balances are returned to your verified UPI or Paytm account first. After closure, your data is retained for the minimum period required by applicable law, then deleted.

The operating entity details — including registered name and address — are listed in the 'About' section of the help centre and in the footer of this site. Those details form part of the binding agreement created when you accept these terms.

Terms and Conditions That Govern Your Account

How to Contact Us About These Terms

Data, Security and Account Integrity Under These Terms

Data Retention

Cookie Policy

Account Security

Withdrawal Verification

Requesting Changes

Policy Contact

Answers to Common Questions About These Terms

01 Do these terms change, and how will I know?

02 What happens to my account if I am in a region where access is not permitted by local law?

03 Can I request a copy of my personal data held under these terms?

04 How do UPI and Paytm transactions appear in my account statement?

05 What are the rules around account suspension under these terms?

06 How do I close my account and what happens to my data?

07 Who is the legal entity behind legal11 that these terms bind me to?

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