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Your Rights and Our Policy Commitments

At 3skill, we want you to know exactly where you stand — what data we collect, how we use it, and what your account rights are under our…

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Terms That Apply to Your Account

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

Our terms and conditions govern every aspect of your relationship with 3skill — from account creation and identity verification to how disputes are handled. These policies are written to reflect applicable law in the regions where we operate, and access is subject to local law in

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your area. When you open an account, you confirm that you have read and accepted the current version of our terms. We update our policies periodically; any material change will be communicated via the email address linked to your account. Your continued use of the platform
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after a policy update constitutes acceptance. Payment context chips below reflect the payment methods covered under our transaction and refund terms.

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

POLICY CONTACT PATHS

How to Reach Us on Legal Matters

If you have questions about our terms, wish to request a copy of your data, or need to raise a formal dispute, our policy support team handles these separately from general account…

Email — Legal Team Send your written request or formal query to our legal contact address. We aim to respond to all policy-related email queries within 3 working days of receipt.

Live Chat — Account Policy Our live chat team is available to clarify terms, explain account conditions, and direct formal requests to the correct department during operating hours.

Written Notice For formal legal correspondence or data-access requests, submit a written notice through our contact form, quoting your registered account ID for faster processing.

HOW WE HANDLE YOUR ACCOUNT

Data, Security and Retention Practices at 3skill

We apply specific technical and procedural controls to protect your account data and ensure policy compliance.

Data We Collect

We collect the minimum data needed to operate your account: name, contact details, payment identifiers such as UPI handles, and session logs for security purposes. No unnecessary data is stored beyond what account operation requires.

Cookie Policy

We use session cookies for login security and analytics cookies to understand how you navigate the platform. You can adjust cookie preferences in your browser; disabling analytics cookies does not affect account functionality.

Account Security

Account access is protected by password hashing and optional two-factor authentication. We do not store card numbers or full UPI credentials on our servers; payments route through PCI-compliant processors.

Data Retention Period

Account data is retained for a minimum period required by applicable law after account closure. Transaction records, including Paytm and PhonePe payment logs, are kept for the period mandated under financial regulations in your jurisdiction.

Your Right to Request Changes

You may request correction of inaccurate personal data or deletion of non-essential data by contacting our legal support team via email. We process such requests within 14 days and confirm completion by reply.

Who Handles Your Data

Data processing is handled internally by our operations team and by payment processors including UPI network operators. We do not sell personal data to third parties and do not share it with advertisers.

Legal and Account Policy — Common Questions

These are the questions we receive most often about our legal terms, your data rights, and how policy applies to your 3skill account. If your question is not here, reach us through the contact paths listed above.

The current terms are always available on this legal section of our site. When we update them, we notify you by email and flag the change date at the top of the document so you can see what changed.

Send a written data-access request to our legal email address with your registered account ID. We will compile and deliver a copy of your personal data within 14 working days of receiving your request.

Yes. Submit a deletion request through our contact form or by email. We will remove non-essential personal data promptly; some records must be retained for the period required under applicable financial and legal obligations in your region.

We share data only with payment processors — including UPI network operators, Paytm and PhonePe — strictly to complete your transactions. We do not sell personal data or share it with advertisers or unrelated third parties.

After account closure, we retain transaction records and identity verification data for the minimum period mandated by applicable law. Once that period expires, data is securely deleted from our systems and backups.

Submit your dispute in writing via our contact form, quoting your account ID and the transaction reference. Our legal support team reviews formal disputes separately from standard queries and aims to respond within 3 working days.

The applicable law depends on your location and local regulations. Access to the platform and enforcement of terms is subject to local law in your region. Where permitted, disputes are handled under the governing law stated in our terms document.

Your Rights and Our Policy Commitments

How to Reach Us on Legal Matters

Data, Security and Retention Practices at 3skill

Data We Collect

Cookie Policy

Account Security

Data Retention Period

Your Right to Request Changes

Who Handles Your Data

Legal and Account Policy — Common Questions

01 Where can I find the current version of 3skill terms and conditions?

02 How do I request a copy of the personal data 3skill holds on my account?

03 Can I ask for my account data to be deleted?

04 Does 3skill share my data with other companies?

05 What happens to my account data after I close my account?

06 How do I raise a formal dispute about a transaction or policy decision?

07 Which jurisdiction's law applies to my 3skill account?

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