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How 4nf Handles Your Personal Data

At 4nf, your personal data belongs to you — we collect only what we need to run your account, process transactions via UPI, Paytm and PhonePe, and keep…

Data collected only as neededUPI & Paytm transaction privacyYour right to access or delete dataEncrypted account storageClear retention schedule
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4nf How 4nf Handles Your Personal Data
PRIVACY CONTACT PATHS

Reach Our Data Team When You Need To

If you want to access the data we hold, request a correction, or ask us to delete your account information, our privacy team is reachable through three direct channels. We aim to respond to all data-related requests within 72 hours and to resolve them fully within 30 days, as required by applicable law.

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Email the Privacy Team

Send your data-access, correction or deletion request to our dedicated privacy address. Include your registered account email so we can locate your record and respond promptly within the 72-hour acknowledgement window.

Live Chat Support

Open the live-chat widget from any page inside your 4nf account. Our support agents can raise a privacy ticket on your behalf and give you a reference number so you can track the progress of your request.

In-Account Privacy Centre

Head to Account Settings and select the Privacy section to download a copy of your data, update marketing preferences, or flag a data concern directly — no email needed, resolved within your dashboard.

HOW WE PROTECT YOUR ACCOUNT

Data Handling, Cookies and Account Security at 4nf

Every layer of your 4nf account — from the first login to the final withdrawal — is protected by a combination of technical controls and clear data practices.

Encrypted Data Storage

All personal and financial data is stored with AES-256 encryption at rest. Payment credentials tied to your UPI, Paytm or PhonePe accounts are never stored on our servers in plain text — only tokenised references kept by the payment processor.

Cookie Policy

We use strictly necessary cookies to keep your session active, and optional analytics cookies to understand how pages are used. You can manage cookie preferences from the banner on your first visit or inside Account Settings at any time.

Account Security Controls

Two-factor authentication is available on every 4nf account and is strongly encouraged. Login alerts are sent to your registered email whenever a new device accesses your account, so you can spot unauthorised access immediately.

Data Retention Schedule

Active account data is retained while your account is open. After account closure, transactional records are kept for the period required by applicable financial and tax law, typically up to seven years, then permanently deleted.

Third-Party Data Sharing

We share your data only with identity-verification providers, licensed payment gateways (including UPI, Paytm and PhonePe processors), and our cloud hosting partners. Each partner operates under a signed data-processing agreement with us.

Your Right to Request Changes

You can request a full export of your data, ask us to correct inaccurate records, or request deletion of your account data by contacting our privacy team via email, live chat, or directly inside the Privacy Centre in Account Settings.

Common Questions About Your Data at 4nf

Below are the questions our account holders ask most often about how their personal data is managed. If your question is not covered here, reach out through live chat or email and our privacy team will respond within 72 hours.

We collect your name, email address, date of birth and a government-issued ID document for identity verification. We also record the payment method you use — UPI, Paytm or PhonePe — along with transaction amounts and timestamps, purely to process and reconcile your account activity.

We share data only with the partners required to run your account — identity-verification providers, payment processors for UPI, Paytm and PhonePe, and our hosting infrastructure. We never sell personal data, and every partner is bound by a data-processing agreement.

Once you close your account, we retain transaction and identity records for the period required by applicable law, which is generally up to seven years for financial records. After that period expires, your data is permanently and securely deleted from all our systems.

Yes. Submit a data-access request via the Privacy Centre in Account Settings, by live chat, or by email. We will compile and send a full export of your personal record within 30 days of confirming your identity.

Contact our privacy team through any of the three channels — email, live chat, or the in-account Privacy Centre. Include your registered email address. Correction requests are usually processed within 10 business days; deletion requests within 30 days.

No. Payment credentials are handled entirely by your chosen payment gateway — UPI, Paytm or PhonePe. We receive only a tokenised transaction reference and the amount, never your full account or card details, so they are not stored on our infrastructure.

We use strictly necessary cookies to maintain your login session and optional analytics cookies to improve the site. You can accept or decline optional cookies from the consent banner on first visit, or update your choice anytime inside Account Settings under Privacy.

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