Reference

Our Terms, Your Rights at 0or

Everything that governs your account with us — from how we handle your personal data to how disputes are resolved — is set out clearly here.

Account TermsPrivacy PolicyCookie UsageData RetentionDispute Resolution

Explore lobby Read FAQ

How Our Legal Terms Apply to You

0or Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

When you open an account with us, you enter into a binding agreement with 0or under the jurisdiction specified in our terms. These terms define what we owe you, what you agree to, and how either party may end the relationship. Any transaction you make —

1
whether through UPI, Paytm, or PhonePe — is recorded against your account and subject to our financial and identity-verification procedures. Where local law in India restricts or conditions access to certain services, those restrictions apply to you automatically; we do not override them. We may update
2
these terms periodically, and we will notify you by email or in-account message before material changes take effect. Continuing to use the platform after such notice constitutes acceptance of the revised terms.

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

LEGAL CONTACT PATHS

How to Reach Our Legal and Compliance Team

If you have a question about your rights under our terms, a data request, or a formal dispute, the channels below connect you directly to the right team.

Email Support Send formal legal requests, data-access queries or account-dispute correspondence to our legal inbox. We acknowledge all emails within 48 hours and resolve most written queries within 7 business days.

Live Chat Our chat team is available around the clock for account-level questions. For matters that need legal documentation, they will escalate your case to the correct team and provide a reference number.

Formal Post Statutory notices and legal correspondence requiring a physical address may be directed to our registered office. Details are provided within the full terms document available in your account dashboard.

HOW WE HANDLE THIS

Data Handling, Cookies and Account Security

Your account security and the privacy of your data are managed through concrete, verifiable practices rather than policy language alone.

Data Handling

Personal data you provide — name, contact details, payment identifiers linked to UPI or Paytm — is stored on encrypted servers. We do not sell your data to third parties; we share only what is required by law or to process your transactions.

Cookie Usage

We use session cookies to keep you signed in and analytics cookies to measure which features you use most. You can manage cookie preferences from the settings panel in your account. Functional cookies cannot be disabled without affecting account behaviour.

Account Security

Two-step verification is available for all accounts and is strongly encouraged. Unusual login attempts trigger an automatic temporary lock and an alert to your registered email or phone, giving you the chance to review access before we restore it.

Data Retention

We retain your account records, transaction logs and identity documents for as long as required by applicable law — typically six years from account closure. After that period, data is deleted or anonymised according to our documented retention schedule.

Your Rights

You may request a copy of all personal data we hold about you, ask us to correct inaccurate records, or request deletion where no legal obligation requires retention. Submit requests via the legal email channel and we respond within 30 days.

Dispute Resolution

If a dispute arises regarding account balances, withheld transactions or alleged terms breaches, you should first contact support with your case number. Unresolved matters escalate to our legal team, and details of any applicable regulatory body are listed in our full terms.

Answers to Common Legal and Policy Questions

The questions below cover what we are asked most often about account rights, data, access conditions and how to make formal requests. If your question is not here, the legal inbox and live chat team are both equipped to help.

Yes. Send a data-access request to our legal email address with your account username and registered phone number. We will compile and deliver your data within 30 days of verifying your identity.

We retain transaction records and identity documents for the period required by applicable law, generally six years. After that window closes, records are either deleted or anonymised under our documented retention schedule.

We share data only when required by law or to process your transactions — for example, to verify a PhonePe or UPI payment. We do not sell personal data to marketing companies or unrelated third parties.

Raise the dispute through live chat or email, quoting your transaction reference. Our team reviews it against your account log and responds within 72 hours. If unresolved, the case moves to our legal team for formal review.

Access depends on local law and is available where local law permits. The specific governing jurisdiction and applicable law are set out in the full terms document available inside your account dashboard.

Email our legal inbox with the specific data you want corrected or removed, along with your account details. We process correction requests within 14 days and deletion requests within 30 days, subject to any legal retention obligations.

Yes. We send an in-account notification and an email to your registered address before material changes take effect. Continuing to use your account after that notice is treated as acceptance of the updated terms.

Our Terms, Your Rights at 0or

How to Reach Our Legal and Compliance Team

Data Handling, Cookies and Account Security

Data Handling

Cookie Usage

Account Security

Data Retention

Your Rights

Dispute Resolution

Answers to Common Legal and Policy Questions

01 Can I request a copy of all the personal data 0or holds about me?

02 How long does 0or keep my account data after I close my account?

03 Does 0or share my data with third parties?

04 What happens if I dispute a transaction on my account?

05 Is my access to 0or governed by Indian law?

06 How do I ask 0or to correct or delete my personal data?

07 Will I be notified if 0or changes its legal terms?

Related Pages