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Your Agreement with 0or Starts Here

These terms and conditions govern every interaction you have with 0or — from opening your account and depositing via UPI, Paytm or PhonePe, to placing wagers and requesting…

Account eligibility depends on local lawUPI, Paytm & PhonePe deposits coveredWithdrawal rules clearly statedDispute resolution process includedUpdated terms notified by email

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What These Terms Actually Cover

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

These terms apply to all account holders accessing 0or from regions where local law permits such activity. By completing account registration, you confirm that you have read and accepted every clause herein. The terms cover deposit and withdrawal conduct — including transactions processed through UPI, Paytm

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and PhonePe — as well as wagering rules, account suspension grounds, and the procedures for contesting any decision made by our team. 0or reserves the right to amend these terms at any time; amendments take effect upon notice to your registered email address. Continued use of
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your account after such notice constitutes acceptance. If you do not accept an amendment, you must close your account before the amendment date.

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

TERMS CONTACT

Reach Us About These Terms

If any clause in these terms and conditions is unclear or you wish to raise a formal dispute under the agreement, our support team is available around the clock through the channels…

Live Chat Start a live chat directly from your account dashboard to raise a terms query. Our agents can clarify any clause, explain withdrawal conditions, or escalate a formal dispute on your behalf.

Email Support Send a detailed terms query or formal complaint to our support email. Include your account ID and the specific clause in question so we can resolve it quickly and accurately.

Help Centre Our Help Centre holds a dedicated Terms section where you can read clause-by-clause explanations, check amendment history, and find answers to the most common account-agreement questions.

HOW WE OPERATE

Data, Security and Your Account Rights

Understanding how 0or handles your data and secures your account is part of what these terms cover.

Data Handling

We collect only the account data required to operate your wallet, verify identity and process UPI, Paytm and PhonePe transactions. Data is stored on encrypted servers and never sold to third parties under any circumstances.

Cookie Policy

Our site uses functional and analytics cookies to maintain your session, remember your payment preferences and measure how the lobby performs. You can adjust cookie settings from your browser at any time without affecting core account functions.

Account Security

Your account is protected by two-factor authentication and session-timeout controls. These terms require you to keep your login credentials confidential; any activity carried out under your credentials is your responsibility as outlined in clause four.

Data Retention

We retain your account data for the period required by applicable law in your jurisdiction, then delete or anonymise it. You may request a copy of the data we hold about you at any point during the retention window.

Right to Request Changes

Under these terms you have the right to request correction of inaccurate personal data, deletion of data where law permits, and a record of all transactions processed through your 0or wallet in the past 12 months.

Dispute Contact

Formal disputes arising from these terms must be submitted in writing via the email channel listed in the support section. We acknowledge all disputes within 48 hours and aim to resolve them within 14 calendar days of receipt.

Common Questions About Our Terms

The questions below address what our account holders ask most frequently about the terms and conditions. If your question is not covered here, contact us via live chat or email for a direct, clause-specific answer.

These terms apply to any person who opens an account with 0or from a region where access is permitted under local law. By registering, you confirm your eligibility and agree to be bound by every clause in this agreement.

Yes. We may update these terms at any time. When we do, we send a notice to your registered email address. If you continue using your account after the amendment date, that counts as acceptance of the revised terms.

We retain your data for the minimum period required by law in your jurisdiction, then delete or anonymise it. You can request a copy of everything we hold about you before or after closure by contacting support in writing.

Submit your dispute in writing to our support email with your account ID and the specific clause or transaction you are contesting. We acknowledge within 48 hours and aim to resolve the matter within 14 calendar days.

Yes. All deposit and withdrawal transactions processed through UPI, Paytm or PhonePe are governed by clause three of this agreement, which sets out timelines, limits, reversal conditions and what to do if a payment does not clear.

You have the right to raise a formal dispute via email, request a review by a senior member of our compliance team, and if unresolved, refer the matter to the relevant authority in your jurisdiction as permitted by local law.

Contact our support team via live chat or email, state which data field is incorrect, and provide the accurate information. We will update our records within seven working days and confirm the change to your registered email.

Your Agreement with 0or Starts Here

Reach Us About These Terms

Data, Security and Your Account Rights

Data Handling

Cookie Policy

Account Security

Data Retention

Right to Request Changes

Dispute Contact

Common Questions About Our Terms

01 Who do these terms and conditions apply to?

02 Can 0or change these terms after I have accepted them?

03 What happens to my account data when I close my account?

04 How do I raise a formal dispute under these terms?

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

06 What are my rights if I believe 0or has breached these terms?

07 How do I request a correction to my personal data held by 0or?

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