Reference

Terms That Govern Your 12bat Account

These terms and conditions set out exactly what you agree to when you open an account at 12bat and what we commit to in return.

Account EligibilityPayment TermsUser ObligationsAccount Suspension RulesGoverning Law

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What These Terms Cover at 12bat

12bat Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

These terms govern every part of your relationship with 12bat — from the moment you create an account to how you deposit via UPI, Paytm, or PhonePe, and how withdrawals are processed back to your linked wallet. They cover account access, funds handling, acceptable use of

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the platform, and how disputes are resolved. Access to 12bat services depends on your local law and is available only where permitted. By continuing to use your account, you confirm you have read, understood, and agreed to every clause here. We may update these terms periodically;
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when we do, the revised version takes effect immediately on publication and your continued use constitutes acceptance. If you have questions about any clause, our support team is available before you commit.

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

REACH OUR TEAM

Contact Us About These Terms

If any clause in these terms is unclear or you believe your account has been managed incorrectly, our support team can walk you through the relevant…

HOW WE PROTECT YOU

Security, Data, and Account Integrity at 12bat

Transparency about how we handle your account data and secure your funds is a core part of operating fairly.

Data Handling

We collect only the account information needed to verify your identity and process your transactions. Your data is stored on encrypted servers and is never sold to third parties. You can request a copy of your stored data at any time through our support channel.

Cookie Policy

We use session cookies to keep you logged in and preference cookies to remember your lobby settings. Analytics cookies help us understand which pages are slow or confusing. You can manage cookie permissions from your browser settings at any time.

Account Security

Every 12bat account is protected by password hashing and optional two-factor authentication via your registered mobile number. We log all login attempts and will notify you by SMS if a sign-in occurs from an unrecognised device.

Data Retention

We retain transaction records and account activity logs for the period required under applicable financial regulations. Once the retention period lapses, data is securely deleted. Closed accounts have their personal details anonymised within 90 days of closure.

Who to Contact

For all terms-related requests — including data access, correction, or account-closure queries — write to our dedicated compliance address listed in the help centre. We aim to acknowledge your request within one working day and resolve it within seven.

Requesting Changes

If your account details change — name, linked UPI handle, PhonePe number, or registered email — submit a change request through the account settings page or via live chat. Verification documents may be required before changes take effect.

Common Questions About 12bat Terms and Conditions

Below are answers to the questions we receive most often about how these terms work in practice. If your question is not covered, reach out via live chat and we will point you to the right clause.

These terms apply to every person who opens an account at 12bat and accesses the platform where local law permits. By creating an account, you confirm that you have read and agreed to every clause and that access is lawful in your jurisdiction.

Yes. We may revise these terms at any time. The updated version is published on this page and takes effect immediately. Your continued use of your account after a revision means you accept the new terms. We recommend checking this page periodically.

We may suspend or permanently close an account that breaches these terms. Before any permanent closure, we aim to notify you and give you an opportunity to address the issue, except where the breach involves fraud or a serious violation.

Contact our support team via live chat or the compliance email address in the help centre. State that you are making a data access request and provide your registered account details. We will respond within seven working days with a copy of your stored data.

Yes. Every deposit and withdrawal made through UPI, Paytm, or PhonePe is subject to the payment clauses in these terms. Transaction records are retained for the period required by applicable regulation and are accessible through your account history.

Raise a dispute through live chat or by email within 30 days of the decision. Our compliance team will review the relevant clause, examine your account activity, and provide a written response. If you are unsatisfied, the terms outline the escalation path.

The governing law and jurisdiction are stated in the full terms document available in the help centre. Access to 12bat depends on local law and is available only where permitted. You are responsible for ensuring your use complies with the laws of your location.

Terms That Govern Your 12bat Account

Contact Us About These Terms

Security, Data, and Account Integrity at 12bat

Data Handling

Cookie Policy

Account Security

Data Retention

Who to Contact

Requesting Changes

Common Questions About 12bat Terms and Conditions

01 Who do these terms apply to?

02 Can 12bat change these terms after I have accepted them?

03 What happens to my account if I breach the terms?

04 How do I request a copy of my personal data?

05 Are my UPI, Paytm, or PhonePe transactions covered by these terms?

06 How do I dispute a decision made under these terms?

07 What law governs these terms?

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