Reference

How 0il Handles Your Account and Data

Every account on 0il is governed by a clear set of terms that spell out what we collect, how we use it, and what you can ask us…

Terms of UsePrivacy PolicyCookie PolicyAccount RulesData Rights

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What Our Terms Cover and Where They Apply

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

Our terms of use set out the contractual relationship between you and 0il from the moment you open an account. They cover how deposits via UPI, Paytm and PhonePe are processed, how withdrawals are verified, how your personal data is stored, and under what circumstances an

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account may be suspended or closed. Indian law governs disputes arising from accounts registered with an Indian address, and the jurisdiction clause in our full terms document specifies the applicable courts. If a term conflicts with a mandatory provision of Indian consumer law, the Indian provision
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takes precedence. We update these terms when regulation changes; each revision is posted with a date stamp so you can see exactly what changed. Continuing to use the platform after a revision means you accept the updated terms — if you do not agree, you may
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close your account at any time by contacting our support team.

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

REACH OUR LEGAL TEAM

Contact Paths for Policy and Account Queries

If you have a question about our terms, a data access request, or a dispute relating to your account, reach us through any of the channels…

HOW WE PROTECT YOU

Data Handling, Cookies, and Account Security at 0il

We apply layered security and clear retention rules to every account on the platform. Here is exactly what we do and who to contact when you want something changed.

Data We Collect

We collect your name, contact details, payment identifiers linked to UPI or Paytm, and session activity logs. We do not sell this data to third parties and do not share it beyond what is required to process transactions or comply with a lawful request.

Cookie Policy

We use strictly necessary cookies to keep your session active and analytics cookies to understand how pages are used. You can opt out of analytics cookies at any time through the cookie preference panel accessible from the footer of every page.

Account Security

All account data is encrypted at rest using AES-256 and in transit using TLS 1.3. Two-factor authentication is available and we recommend enabling it from your account settings page the first time you log in.

Data Retention

We retain account and transaction records for a period required by applicable financial regulations. Once that period expires, personal data is either deleted or anonymised. You can request early deletion if your account is closed and no legal hold applies.

Your Right to Correct

You can request a correction to any personal data we hold about you by submitting a request through live chat or email. We aim to process corrections within five working days and will confirm in writing when the update is complete.

Escalation Contact

If you are not satisfied with how a data or policy matter has been handled, you may escalate to our compliance officer by emailing the address listed in the full privacy policy document available in the help centre.

Your Policy and Rights Questions, Addressed

Below are the questions our users ask most about terms, data and account rights. If your question is not here, reach us through live chat or email and we will respond within five working days.

Accounts registered with an Indian address are governed by Indian law. The specific jurisdiction and applicable courts are set out in the terms of use document. Where Indian consumer law overrides a contractual term, the statute takes precedence automatically.

Yes. Submit a data access request via email or live chat and we will compile a copy of all personal data linked to your account. We aim to deliver this within five working days of receiving your verified request.

Close your account first, then submit a deletion request through our help centre form. If no legal hold applies — such as a mandatory financial record-keeping period — we will delete or anonymise your data and confirm this in writing.

Payment identifiers linked to UPI, Paytm or PhonePe are retained only for the period required by applicable financial regulations. After that period they are permanently deleted. We do not retain card or wallet credentials beyond what is necessary for transaction verification.

Every revision is published with a date stamp on the terms of use page. We also notify you via the email address on your account. Continuing to use the platform after a revision date constitutes acceptance of the updated terms.

Raise the dispute through live chat or email with your account reference and the relevant transaction details. Our compliance team reviews disputes within five working days and will communicate the outcome and any remedial steps in writing.

Access to our platform depends on local law and is available where local law permits. The data rights available to you may vary depending on the jurisdiction from which you access the platform. Where you are in a supported region, the terms applicable to that region apply.

How 0il Handles Your Account and Data

Contact Paths for Policy and Account Queries

Data Handling, Cookies, and Account Security at 0il

Data We Collect

Cookie Policy

Account Security

Data Retention

Your Right to Correct

Escalation Contact

Your Policy and Rights Questions, Addressed

01 Which law governs my account agreement with 0il?

02 Can I access a copy of the personal data 0il holds about me?

03 How do I request deletion of my account data?

04 What happens to my UPI or Paytm payment details when I close my account?

05 How will I know if the terms of use change?

06 How do I dispute a transaction or account decision?

07 Are my data rights different if I access 0il from outside India?

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