Reference

w18 Terms and Conditions for Your Account

These terms govern your use of w18 and set out your rights and responsibilities when you open an account, deposit funds via UPI, Paytm or PhonePe, and access…

Account EligibilityUPI, Paytm & PhonePe DepositsWithdrawal RulesAccount Suspension PolicyGoverning Jurisdiction
w18 w18 Terms and Conditions for Your Account
CONTACT OUR TEAM

Reach Us About These Terms

If any clause in these terms is unclear, or if you believe your account has been actioned in a way that does not match what is written here, our support team is…

Live Chat Start a chat session directly from your account dashboard. Our agents can walk you through any clause, verify account status, or escalate a terms dispute to our compliance desk within the same session.
Email Support Write to our support address with your account ID and the clause number in question. We aim to send a substantive reply within 24 hours on business days, with a reference number for your records.
Help Centre Our Help Centre carries plain-language summaries of each key clause — useful if you need a quick read before contacting an agent. Access it from the footer of any page when you are logged in.
HOW WE MANAGE POLICY

How w18 Handles Your Account Under These Terms

These six areas explain how we operationalise the terms across your account, from data storage to cookie use and security checks. Each point reflects actual procedures our team follows, not aspirational language.

Data Retention

Account data — including transaction records for UPI, Paytm and PhonePe deposits — is retained for the period required under applicable law. You may request a copy of your data through the account settings page at any time.

Cookie Policy

We use session and persistent cookies to keep your lobby preferences, language setting and chip-row selections intact between visits. You can manage cookie preferences in your browser, though some features require cookies to function correctly.

Account Security

Each account is protected with password hashing and optional two-factor authentication. If we detect unusual login activity, your account may be temporarily restricted pending a verification check carried out by our security team.

Who to Contact for Changes

To request an amendment to your personal details — name, email, or linked payment method — submit a signed request via email with a valid identity document. Changes typically clear within three business days after verification.

Account Suspension Terms

We may suspend or close accounts that breach these terms, including activity that suggests fraudulent deposits or misuse of promotional conditions. Funds verified as legitimately yours are returned via the original deposit rail.

Jurisdiction and Governing Law

These terms are governed by the laws of the jurisdiction under which w18 operates. Any dispute that cannot be resolved through our support channels is subject to binding arbitration under those governing rules.

Your Questions About These Terms Answered

The questions below reflect what account holders commonly ask after reading our terms. If your question is not listed, our live chat team can help you locate the relevant clause quickly.

Yes. By completing account registration and making your first deposit — whether through UPI, Paytm or PhonePe — you confirm that you have read and accepted these terms in full. They remain in effect for as long as your account is active.

We may update these terms when required by operational or legal reasons. We will notify you by email or an in-app message before changes take effect. Continued use of your account after the effective date means you accept the updated version.

Submit a data access request via email to our support address, including your account ID and a copy of your identity document. We will compile and send your data within the timeframe required under applicable data protection rules.

If suspension follows a terms breach, we review your balance. Funds confirmed as legitimate deposits are returned via the original payment rail — UPI, Paytm or PhonePe — once the verification process is complete.

The core terms are consistent, but certain clauses — particularly those relating to eligible payment methods and access eligibility — reflect Indian regulations. Access depends on local law and is available only where local law permits.

Contact our support team via live chat or email with your account ID and a clear description of the decision you are disputing. If the matter cannot be resolved internally, it proceeds to arbitration as described in the governing law clause.

You may submit a deletion request through our support channels. We will close your account and erase personal data that is not required to be retained under applicable law, such as transaction records that must be kept for audit or compliance purposes.