Reference

How 4qt Handles Your Personal Data

This Privacy Policy sets out exactly what data 4qt collects when you open an account, how we store it, and the rights you hold over it at every…

Transparent data collectionSecure storage practicesYour right to access and deleteIndia-specific payment data handlingDirect contact for data requests

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What This Policy Covers and Why

4qt Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

4qt collects personal data — including your name, contact details, date of birth, and payment identifiers — solely to operate your account, process deposits and withdrawals, and keep your session secure. When you fund your account via UPI, Paytm or PhonePe, the transaction reference and amount

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are logged against your account ID for reconciliation and security auditing. We do not sell this data to third parties. Data processing is governed by applicable Indian law, and access to our services depends on whether local law permits it in your region. We retain account
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data for the period required by financial regulations and delete personal identifiers promptly once that obligation lapses.

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

DATA CONTACT PATHS

Reach Us About Your Privacy Rights

If you need to request access to your data, raise a correction, or ask us to delete your account records, our dedicated privacy team is reachable through three channels seven days a…

Privacy Email Send a written request to our privacy inbox at any time. Include your registered email address and the nature of your request so we can verify your identity and action it promptly.

Live Chat Support Open the chat widget from any page on 4qt.club and type 'privacy request' to be routed directly to a trained agent who handles data queries, not general account questions.

Account Settings Portal Log into your account, navigate to Settings, and use the Data and Privacy section to download a copy of your stored profile data or submit a deletion request without contacting support.

HOW WE PROTECT DATA

Data Handling, Cookies and Account Security

Every measure we take around data is designed to be auditable and reversible. Below are the six concrete practices that govern how your information moves through the 4qt platform, from the moment…

Encrypted Data Storage

All personal identifiers — including your name, phone number and payment references — are stored using AES-256 encryption at rest. Database access requires two-factor authentication from our engineering team and is logged with timestamps for audit purposes.

Cookie Transparency

We use session cookies to keep you logged in and analytics cookies to understand which pages load slowly on Indian mobile networks. You can review and withdraw cookie consent at any time from the cookie preference panel in your browser or account settings.

Account Security Controls

Your account password is hashed using bcrypt before storage — we cannot read it, only verify it. If we detect a login from an unrecognised device or IP, we send a verification prompt to your registered email before granting access.

Data Retention Schedule

We keep active account data for as long as your account remains open. Once you request closure, we anonymise your personal identifiers within 30 days and retain only the transaction records required by financial regulations, typically seven years.

Who Can Access Your Data

Within 4qt, only roles with a legitimate operational need — fraud prevention, payment reconciliation, account verification — can query personal data. All internal access is role-gated and produces an audit log entry that our compliance team reviews monthly.

Requesting Changes or Corrections

If any detail in your profile is inaccurate, you can correct it directly from Account Settings or submit a written request via our privacy email. We will verify the change against your original registration documents and update the record within five business days.

Frequently Asked Questions About Your Data

These are the questions we receive most often from Indian account holders about how their personal data is handled on 4qt. Each answer reflects the actual processes our team follows, not a generic template.

We collect your name, email address, phone number, date of birth and country. When you make a deposit via UPI, Paytm or PhonePe, we also record the transaction reference and amount so we can reconcile your wallet balance and investigate any disputed transactions.

We do not sell your data. We share it only with service providers who operate under contractual data-protection obligations on our behalf — for example, the payment gateway processing your UPI deposit — and with authorities when required by Indian law.

Log in, go to Settings, and select Data and Privacy, then choose Download My Data. You will receive a structured file within 72 hours covering your profile details, session history and transaction log. Alternatively, email our privacy team with a written request.

Yes. Submit a deletion request through Account Settings or email our privacy inbox. We will anonymise your personal identifiers within 30 days. Transaction records required by financial regulations remain on file for the legally mandated retention period before deletion.

Personal identifiers such as your name and phone number are anonymised within 30 days of account closure. Financial transaction records are retained for the period required under applicable Indian financial regulations, after which they are permanently deleted from our systems.

We use strictly necessary cookies for login sessions, analytics cookies to monitor page performance on Indian mobile networks, and preference cookies to remember your language setting. You can withdraw consent for non-essential cookies at any time through the cookie panel in account settings.

Change your password immediately using the Forgot Password link, then contact us via live chat or the privacy email with the subject line 'Unauthorised Access'. Our security team will audit your login history and lock any unrecognised sessions within two hours of your report.

How 4qt Handles Your Personal Data

Reach Us About Your Privacy Rights

Data Handling, Cookies and Account Security

Encrypted Data Storage

Cookie Transparency

Account Security Controls

Data Retention Schedule

Who Can Access Your Data

Requesting Changes or Corrections

Frequently Asked Questions About Your Data

01 What personal data does 4qt collect when I open an account?

02 Does 4qt share my data with third parties?

03 How can I get a copy of all the data 4qt holds about me?

04 Can I ask 4qt to delete my personal data?

05 How long does 4qt keep my data after I close my account?

06 What cookies does 4qt use and how do I control them?

07 What should I do if I think my account data has been accessed without my permission?

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