Reference

Terms & Conditions That Govern Your stmtka Account

These Terms & Conditions set out the agreement between you and stmtka the moment you open an account and access our lobby.

Account holder agreementDeposits via UPI, Paytm, PhonePeWithdrawal & verification rulesIndia-region eligibilityDispute resolution process
stmtka Terms & Conditions That Govern Your stmtka Account
REACH US DIRECTLY

Contact Our Team for Terms & Conditions Queries

If any clause in these Terms & Conditions is unclear or you believe your account has been actioned incorrectly, our support team is available to clarify.

Live Chat Start a live chat session from within your account dashboard. Our agents can walk you through any clause in these Terms & Conditions and clarify how it applies to your specific account situation.
Email Support Send a detailed message to our support address with your account ID and the specific Terms clause in question. We aim to reply within one business day with a clear, written explanation.
Help Portal Our online help portal contains a dedicated Terms & Conditions section where you can search by topic — account suspension, withdrawal holds, eligibility, or payment disputes — without waiting for an agent.
HOW WE HANDLE YOUR ACCOUNT

Security, Data, and Your Rights Under These Terms

These Terms & Conditions are backed by concrete account-security practices and transparent data handling.

Data Retention

We retain your account data for as long as your account remains active and for the period required by applicable law after closure. You may request a summary of the data we hold by contacting our support team in writing.

Cookie Policy

stmtka uses cookies to keep your session secure and to remember your lobby preferences. You can manage cookie settings in your browser at any time; disabling certain cookies may affect how the lobby loads on your device.

Account Security

You are responsible for keeping your login credentials confidential. If you suspect unauthorised access, contact us immediately through live chat so we can freeze the account and initiate a security review without delay.

Withdrawal Verification

Withdrawals to UPI, Paytm, or PhonePe are processed after identity verification is complete. We verify documents within one business day; once cleared, funds typically reach your payment method within the timeframe shown at checkout.

Right to Request Changes

Under these Terms, you may request corrections to inaccurate personal data on your account at any time. Submit a written request through the help portal and we will act on it within the timeframe set by applicable law.

Dispute Escalation

If a support agent cannot resolve your Terms-related dispute at first contact, the case is escalated to our compliance team. You will receive a written decision within five business days explaining the outcome and the clause applied.

Frequently Asked Questions About These Terms

The answers below address the Terms & Conditions questions we receive most often from account holders in India. If your question is not covered here, reach out through live chat or the help portal for a direct, written response.

These Terms apply to every person who opens an account on stmtka. By registering, you confirm that you meet the eligibility requirements under applicable local law and that all details provided during registration are accurate and your own.

We may update these Terms at any time, but we will notify you by email or in-account message before major changes take effect. Continued use of your account after the effective date of any revision means you accept the updated Terms in full.

Accounts found to be in breach — for example, providing false registration details or attempting to circumvent payment verification — may be suspended pending review or permanently closed. Any pending withdrawals will be held during the investigation period.

Submit a written data request through the help portal or by emailing support with your account ID. We will compile and share a summary of your personal data within the timeframe required by applicable data protection law in your jurisdiction.

The core Terms are the same regardless of payment method. However, specific processing times and any transaction limits for UPI, Paytm, or PhonePe are set out in the payment section of your account dashboard and may differ by provider.

These Terms are governed by the law of the jurisdiction in which stmtka operates and in which you have your account. Access to our lobby and the enforceability of these Terms depend on whether local law in your region permits such activity.

Contact live chat or email support with your account ID and a clear description of the dispute. If unresolved at first contact, the case escalates to our compliance team, who will issue a written decision within five business days citing the relevant clause.