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How xpressbess Handles Your Personal Data

At xpressbess, we take the privacy of every account holder seriously — this page explains exactly what data we collect, why we collect it, and how we keep…

Clear data collection rulesUPI & Paytm transaction privacyAccount security protocolsYour right to access your dataDirect contact for privacy requests

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What This Privacy Policy Covers

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

This policy applies to all personal data collected when you create or use an xpressbess account, including data submitted during registration, data generated when you make deposits or withdrawals via UPI, Paytm or PhonePe, and data captured through cookies and device identifiers. Access to our platform

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depends on local law and is available where local law permits. We process your data in accordance with applicable Indian data protection legislation, and we do not sell, rent or trade your personal information to unaffiliated third parties for their own commercial use. Retention periods vary
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by data category — payment records are kept for the period required by applicable financial regulations, while account profile data is held as long as your account remains active or as required by law.

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

PRIVACY CONTACT PATHS

Reach Our Privacy Team Directly

If you have a question about how your data is used, want to request a copy of what we hold, or need to report a concern, our privacy team is available through…

Email Privacy Desk Send a written request to our dedicated privacy address. Include your registered account email and a short description of your request so we can locate and action your data quickly.

Live Chat Support Start a live chat from your account dashboard and select the Privacy category. Our agents can raise a formal data request on your behalf and give you a reference number for tracking.

In-Account Help Centre Navigate to Settings, then Privacy in your xpressbess account to find a self-service request form. Submissions made here are logged automatically and routed to our privacy desk without delay.

DATA HANDLING STANDARDS

Six Ways We Protect Your Privacy

Every measure below is applied consistently across all account types. We designed these controls for the India market, where UPI, Paytm and PhonePe transactions generate identifiable payment records…

Data Minimisation

We collect only the data needed to operate your account and process transactions.

Cookie Controls

Our cookie banner lets you accept, reject or customise non-essential cookies on your first visit.

Account Security Layers

Passwords are stored using one-way hashing. We also support two-factor authentication via SMS or an authenticator app, and any login…

Payment Record Handling

When you transact via UPI, Paytm or PhonePe, we record the transaction reference, amount and timestamp — but we never…

Data Retention Schedule

Account profile data is held while your account is active and for up to two years after closure.

How to Request Changes

Submit a data access, correction or deletion request through the in-account Privacy form or via our email desk.

Your Privacy Questions, Answered

These are the questions we receive most often about how xpressbess collects and uses personal data. If your question is not covered here, our privacy desk is available via email or live chat to help you directly.

We collect your name, email address, mobile number, date of birth and country of residence. If you make a deposit via UPI, Paytm or PhonePe, the transaction reference and amount are also recorded against your account profile.

Your UPI ID or Paytm-linked number is used to verify that withdrawals go to the same payment method used for deposits, which protects your account from unauthorised fund transfers. We do not use these details for any other purpose.

Yes. Submit a data access request through the Privacy section of your account settings or email our privacy desk. We will compile and send your data in a readable format within 30 days of receiving your verified request.

Account profile data is retained for up to two years after closure for dispute resolution purposes. Payment transaction records are kept for the period required by applicable Indian financial regulations, after which they are securely deleted.

We share data only with service providers who help us operate the platform — such as payment processors and identity verification services — under strict contractual obligations. We do not sell or rent your personal data to any outside party for marketing or commercial use.

Use the deletion request form in your account Privacy settings or contact our privacy desk by email. We will confirm receipt within 48 hours, process the deletion within 30 days, and send written confirmation once your data has been removed from our active systems.

We use strictly necessary cookies for session management and optional analytics cookies to improve the platform. You can turn off optional cookies at any time via the cookie preference centre linked in the footer of every page on xpressbess.net.

How xpressbess Handles Your Personal Data

Reach Our Privacy Team Directly

Six Ways We Protect Your Privacy

Data Minimisation

Cookie Controls

Account Security Layers

Payment Record Handling

Data Retention Schedule

How to Request Changes

Your Privacy Questions, Answered

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

02 Why do you need my UPI or Paytm details at all?

03 Can I request a copy of all the data xpressbess holds about me?

04 How long does xpressbess keep my account data after I close my account?

05 Does xpressbess share my data with third parties?

06 How do I ask xpressbess to delete my personal data?

07 What cookies does xpressbess use, and can I turn them off?

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