What This Policy Covers and Why
When you create an account on sikwin.co and transact using UPI, Paytm or PhonePe, we receive certain personal and financial details necessary to process your transactions and verify your identity. This policy applies to every piece of data we handle — from your registration details and
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device identifiers to transaction records tied to your UPI or PhonePe wallet. Access to our platform depends on whether it is permitted under the laws applicable in your region. We process your data in accordance with Indian data protection norms and applicable local law. We do
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not sell your personal information to third parties, and we do not use your payment credentials — including your Paytm or UPI handles — for any purpose beyond completing the transactions you authorise. This policy is reviewed periodically; when material changes occur we notify you via
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the email address on your account.
Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.