What they may do · DPDP §6(4)
What Paytm does with your data
Paytm uses what you do inside its app — what you buy, where and what you tap — to decide which ads, offers and financial products to put in front of you, and passes your details to its group companies and operational partners.
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Shares your data with partners
Passed to group companies, advertisers or analytics firms you never chose.
What this costs you. Your number and habits travel to companies you have never heard of and never agreed to. This is the step where the spam calls start.
Show me where they say that
Paytm’s own policy says “We only share the data on a 'need-to-know' basis to designated personnel or third-parties, Affiliates or Subsidiaries in our business and operational processes.”
Our summary shares on a need-to-know basis with designated personnel, third parties, affiliates and subsidiaries.
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Builds an advertising profile of you
They watch what you view, tap and buy, and use it to decide which ads you see.
What this costs you. Your attention gets priced. What you hesitate over becomes a bid — and a profile built to predict you is a profile built to persuade you.
Show me where they say that
Paytm’s own policy says “To enable us to show you advertisements, selective offers and promotions, search results, location-based services, which are relevant to you and your interests.”
Our summary shows you advertisements, selective offers, promotions, search results and location-based services relevant to your interests.
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Keeps your records long-term
Held on after you stop using the service.
What this costs you. Years after you delete the app, the record is still sitting there — and every year it sits there is another year it can leak.
Show me where they say that
Paytm’s own policy says “However, we may retain your Personal Data for longer periods in the following circumstances: i. If it is necessary for the specified purpose for which it was collected or for compliance with any applicable law.”
Our summary retains personal data for longer where the purpose it was collected for, or an applicable law, requires it.
What the policy does not mention
These are uses Paytm’s policy is silent on. Silence is not a promise — it means the document does not say, and we do not infer either way.
- Follows you onto other websites and apps
- Processes your face or other biometrics
- Trains AI models on your content
Who to write to at Paytm
Paytm’s grievance page publishes team addresses rather than a named officer. On the pages we were able to read there is no named Grievance Officer, no postal address and no privacy or DPO mailbox — the privacy policy itself is built entirely in the browser, so its text is not in the page that gets served. We would rather tell you that than print an address we cannot stand behind.
- Consumer services
- customer.resolution@paytm.com Published as Level 2 — Customer Resolution Team.
- Lending products
- grievance-redressal_loandistribution@paytm.com Personal loans, Postpaid and credit cards are handled separately.
- Phone
- 0120-4580000
- Entity to address
- One97 Communications Limited
- Named officer
- None published on the pages we could read
Show me where they publish that
Paytm’s grievance redressal policy says“Contact Details: Level 2 – Customer Resolution Team Consumer Services: customer.resolution@paytm.com Consumer Lending Services: grievance-redressal_loandistribution@paytm.com”
Source paytm.com/company/grievance, read on 12 August 2026.
What you can withdraw, and what will outlive the request
Paytm is RBI-regulated, so a large part of what it holds about you is held under a statutory duty rather than under your consent. Closing the account stops future processing; it does not erase the statutory record.
You can stop this now
- Marketing and promotional messaging, personalised offers and ad targeting.
- The non-essential app permissions the policy names — camera, microphone and location — for features you do not use.
- Commercial calls and SMS from registered senders, via 1909 / DND under TRAI’s TCCCPR.
This will survive it
- KYC identity records and payment transaction history. The policy reserves longer retention for compliance with applicable law, and as a regulated payments entity Paytm must preserve those records regardless of your consent.
The legal position, stated straight. The DPDP Act’s consent-withdrawal right in section 6(4) is not in force today — sections 3 to 17 are on a staged commencement running to 14 May 2027. A request sent now asks for voluntary compliance and puts the date on record, which is what any later escalation rests on. There is no 90-day statutory erasure deadline, and the ₹250 crore figure is the penalty for failing to secure data against a breach — not for ignoring your request.
Paytm is one app. How many are on your phone?
Most people carry twenty to forty. Add yours and see the total in one screen — how many share your data, profile you for ads, or follow you across the web. Then take it back from all of them at once.
Manage my data with Saaph.in →Free to check · no account needed · built in India for the DPDP Act
Questions
What does Paytm do with my personal data?
According to Paytm's own privacy policy, read on 2026-08-12, it discloses 3 of the six uses we track: shares your data with partners, builds an advertising profile of you, keeps your records long-term.
Can I withdraw my consent from Paytm?
Section 6(4) of India's Digital Personal Data Protection Act 2023 gives you the right to withdraw consent for processing you agreed to. The Act's substantive provisions commence in stages up to May 2027, so a request made now asks for voluntary compliance and puts the date on record. Processing a company carries out under a legal obligation — such as KYC records the RBI requires — cannot be withdrawn.
Does Paytm track me for advertising?
Yes — Paytm's published policy discloses this. The exact sentence it is based on is quoted on this page, with the date we read it and a link to the source.
Who do I contact at Paytm about my data?
Paytm publishes team addresses rather than a named officer: customer.resolution@paytm.com for consumer services and grievance-redressal_loandistribution@paytm.com for lending products, with the phone number 0120-4580000. On the pages we could read, no named grievance officer, postal address or privacy mailbox is published. The entity is One97 Communications Limited.
Every use above is one Paytm declared in its own published privacy policy, which we
read on 2026-08-12. Quotes are verbatim; the summary beside each one is ours
and is labelled as ours. Nothing here is inferred.
Saaph.in is a DPDP consent and request management platform operated by Ronin Works
Private Limited. It is a communication facilitator, not your legal or authorised
representative. The DPDP Act 2023 commences in stages up to May 2027, so a request
made today asks for voluntary compliance and records the date you asked.
Our privacy policy