Reference

Legal terms and account rules

At 3cr, this page sets out the terms, privacy wording, cookies and request paths that apply to your account.

TermsPrivacyCookiesLocal law

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How our legal terms work

3cr Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

When a rule changes by jurisdiction, we say so directly and keep the wording tied to the place where your account is used. That matters for account access, consent, data use and any note that touches a transaction trail. We may cross-check UPI, Paytm, PhonePe or

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Google Pay references only when a legal, security or recordkeeping question needs that trail. The same standard applies to correction requests, archiving and dispute handling: we keep only the record that is needed, we explain why it is needed, and we update the page or the
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file when a change is allowed. That keeps the legal position readable without mixing it up with lobby copy or payment promotion. If a part of the text does not fit your case, use the contact paths below and tell us the exact clause.

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

CONTACT ROUTES

Where to send legal questions

When a clause, consent line or account note needs a closer look, use the contact route that fits your request. In-app chat works for quick questions tied to an active account, email gives you a written trail, and the form helps us sort correction or access requests by type. We keep the thread with the case so you can continue from the same point without repeating the full story.

Team online

In-app chat

Use in-app chat when you want a quick read on a clause, a consent line or an active account issue. We keep the conversation tied to your case so you can follow the same thread without repeating details.

Email

Email works well when you need a written record for a correction, access request or complaint. Share the page link, your registered contact point and a brief message, and we will route it to the right team.

Web form

The web form suits deletion, copy and update requests where a structured reply helps. Add the account identifier and the change you want, and we will tell you what we can action under local law.

DATA AND ACCESS

Data, cookies and request handling

We handle this area with a simple rule set: collect only what is needed, explain why it is needed and keep it only for as long as the…

Data handling

We collect only the details needed to open, secure and service your account: contact fields, login signals, request history and…

Cookies

Cookies help us remember language, keep sessions active and preserve form progress while you move between pages.

Account checks

Account protection uses password checks, one-time codes where available and device checks for unusual access.

Retention

We keep records only for as long as needed for account service, dispute handling, security checks or legal retention rules.

Request changes

You can ask for correction, export or deletion where law allows.

Contact path

If you want a clause checked, a notice explained or a record corrected, use chat, email or the form.

Common legal questions for your account

These questions focus on access, data use, correction requests and the routes you can use to contact us about a legal matter. If a case depends on local law, we say that plainly and point you to the wording that applies. The answers below are kept short on purpose so you can see what we keep, what you can ask for and where the next step lives.

It covers the terms, privacy wording, cookies, request handling and contact steps tied to your account. It does not try to replace a full legal notice, so any case that depends on local law will point to the relevant wording.

If access or a feature depends on jurisdiction, it is available only where local law permits. We do not open every section everywhere, and the page will say when a rule changes by region or account state.

We keep the details needed to run your account, verify requests, maintain records and answer disputes. That can include contact fields, device signals, login logs and payment references when they are needed for a legal or security check.

Yes. Send the account detail, the page or field that needs work, and the change you want. We will check what law allows, update the record where possible, and explain any part we must retain.

Cookies help us remember language, keep sessions active and save form progress while you move around the site. They also help us spot unusual sign-in patterns, but they do not change the legal wording on this page.

We keep records only for as long as needed for account service, dispute handling, security checks or legal retention rules. After that, data is removed or anonymised where our recordkeeping process and local law allow.

Use in-app chat, email or the form if you want a legal clause checked, a record corrected or a copy request handled. Tell us what you need, and we will route it to the right team.

Legal terms and account rules

Where to send legal questions

In-app chat

Email

Web form

Data, cookies and request handling

Data handling

Cookies

Account checks

Retention

Request changes

Contact path

Common legal questions for your account

01 What does this page cover?

02 How does local law affect access?

03 What data do you keep?

04 Can I ask for corrections?

05 How do cookies work here?

06 How long do you keep records?

07 How do I contact you about legal matters?

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