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Terms and Conditions That Govern Your 4hana Account

Every account on 4hana.co is subject to these terms and conditions, which set out what you can expect from us and what we ask of you in return.

Account EligibilityWallet RulesJurisdiction-Dependent AccessAmendments PolicyGoverning Law

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What These Terms Cover and How They Apply

4hana Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

These terms apply the moment you open an account at 4hana.co and continue for as long as your account remains active. They govern how your account is created and verified, how funds move in and out via UPI, Paytm, and PhonePe, and what happens if a

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dispute arises. We may update these terms from time to time; when we do, we will notify you at the email address linked to your account before the changes take effect. Continued use of the platform after that notice period means you accept the revised terms.
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If you disagree with any revision, you may close your account by contacting our support team. These terms are governed by the laws applicable in the jurisdiction where the service is made available, and any access or use is subject to local law.

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

REACH US DIRECTLY

Contact Paths for Terms-Related Questions

If any clause in these terms is unclear, or you want to raise a concern about how they have been applied to your account, our support team is available around the clock.

Live Chat Start a live chat session from any page on 4hana.co. Our agents are available at all hours and can walk you through a specific clause or escalate a formal dispute on your behalf.

Email Support Write to our support address for a full written response. We aim to reply to terms-related queries within 24 hours and keep a record of every exchange for your reference.

Help Centre Our Help Centre at 4hana.co lists answers to the most common terms questions — account eligibility, fund holds, and amendment timelines — with plain-language explanations for each.

HOW WE HANDLE YOUR ACCOUNT

Data, Security and Your Rights Under These Terms

These terms set clear obligations on both sides: here is how we honour ours when it comes to your data, your account security, and your right to request changes.

Data Handling

We collect only the data needed to operate your account — name, contact details, and payment identifiers for UPI, Paytm, or PhonePe. We do not sell this data to third parties, and we store it on encrypted servers in line with applicable data-protection law.

Cookie Policy

4hana.co uses session cookies to keep you logged in and analytics cookies to understand how pages are used. You can adjust cookie preferences in your browser settings at any time without affecting your ability to log in.

Account Security

Your account is protected by password authentication and optional two-factor verification. If you suspect unauthorised access, contact us immediately and we will freeze the account and investigate within one business day.

Data Retention

We retain account and transaction records for the period required by applicable law, typically five to seven years after account closure. After that period, records are deleted or anonymised in line with our internal retention schedule.

Requesting Changes

You have the right to request a copy of the data we hold, ask us to correct inaccurate records, or request deletion where no legal obligation requires us to retain them. Submit requests via email or live chat and we will respond within 30 days.

Dispute Resolution

If you believe these terms have been applied incorrectly to your account, raise the matter with our support team first. If the matter remains unresolved, it may be referred to the dispute process outlined in the governing law clause of these terms.

Answers to Common Questions About These Terms

The questions below cover the clauses our account holders ask about most often. If yours is not listed here, reach us via live chat or email for a direct written answer.

These terms apply to every person who opens or uses an account at 4hana.co. Access and eligibility depend on local law; the terms are enforceable where the service is available under applicable jurisdiction rules.

We will send a notification to the email address registered on your account before any amendment takes effect. The updated terms will also be published on this page with the revision date clearly shown at the top.

Yes. Contact our support team via live chat or email with your account details and we will prepare a data summary and send it to your registered email address within 30 days of the request.

Records are kept for the period required by applicable law, generally five to seven years after account closure. Once that period lapses, data is deleted or anonymised in line with our retention schedule.

If you do not accept a revised version of these terms, you may close your account before the amendment date. Contact support and they will process the closure and confirm any pending wallet balance is returned via your linked UPI, Paytm, or PhonePe account.

Start by contacting our support team in writing — email or live chat both create a record. If the issue is unresolved at that level, the dispute process set out in the governing law clause of these terms becomes available to you.

The core account terms are the same regardless of payment method. Specific processing timelines — such as how quickly a Paytm withdrawal clears versus a UPI transfer — are set out in the payments section of these terms and may differ by method.

Terms and Conditions That Govern Your 4hana Account

Contact Paths for Terms-Related Questions

Data, Security and Your Rights Under These Terms

Data Handling

Cookie Policy

Account Security

Data Retention

Requesting Changes

Dispute Resolution

Answers to Common Questions About These Terms

01 Who do these terms and conditions apply to?

02 How will I know if the terms have been updated?

03 Can I request a copy of the data 4hana holds about my account?

04 How long does 4hana keep my account and transaction records?

05 What happens to my account if I disagree with a terms amendment?

06 How do I raise a formal dispute about how these terms were applied?

07 Are these terms the same for UPI, Paytm, and PhonePe transactions?

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