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How 0il Handles Your Personal Data

At 0il, we treat your personal data with the same care you expect from any account you trust with your details.

Data You ControlSecure StorageNo Third-Party SellingClear Retention PeriodsContact Us Anytime

What This Policy Covers and Where It Applies

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

This privacy policy applies to every interaction you have with 0il — from the moment you start an account registration through every deposit, withdrawal, and support conversation after that. When you deposit via UPI, Paytm, or PhonePe, the transaction data that passes through those rails is

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handled according to both our internal standards and the rules of those payment networks. Access to our platform depends on local law and is available where local law permits. We are the data controller for information collected through this site and our mobile experience. If you
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are browsing from India, Indian data-protection law applies to how we process your personal information, and we have aligned our practices accordingly. Any change to this policy will be posted here with a revised date so you always have the current version in front of you.

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

REACH OUR PRIVACY TEAM

How to Contact Us About Your Data

Our privacy team handles data requests separately from general customer support.

DATA HANDLING PRACTICES

Six Ways We Protect and Manage Your Information

We have built our data infrastructure around the principle that your personal information belongs to you — we are only its temporary custodian.

Encryption at Rest and in Transit

All personal data stored on our servers is encrypted using AES-256. Data moving between your device and our platform — including UPI and PhonePe payment signals — travels over TLS 1.3 so it cannot be read in transit.

Cookie Controls You Manage

We use session cookies for login, analytics cookies to understand how pages load on your device, and preference cookies to remember your language and table settings. You can adjust or withdraw cookie consent from the settings panel at any time.

Account Security and Two-Factor Login

When you enable two-factor authentication on your 0il account, we store only the hashed token — never the seed. Login attempts from unrecognised devices trigger an email alert to your registered address before access is granted.

Retention Schedule and Deletion

We keep active account data for as long as your account remains open. Closed-account records are held for the period required under applicable Indian financial regulations, after which they are securely deleted from all production systems.

Who Can See Your Data Inside 0il

Access to personal data within our organisation is limited to teams that need it to operate your account — payments processing, identity verification, and fraud prevention. Support agents see only what is necessary to resolve your query.

Requesting Changes to Your Record

Log in to your account settings and navigate to the Data and Privacy section to download a copy of your data or submit a correction request. For deletion, use the email channel listed above and we will confirm the scope before proceeding.

Common Questions About Your Data and Rights

The questions below cover what we are asked most often about data collection, how long we keep records, and what you can do if you want to see or remove your information. If your question is not here, the privacy team contact details in the section above are the fastest route to a specific answer.

We collect your name, email address, mobile number, date of birth for eligibility verification, and the payment-method identifiers you link to your account — such as your UPI ID or the last four digits of a Paytm-linked card. Device and browser metadata is also logged for security purposes.

No. We do not sell or rent your personal information to any third party for their own marketing purposes. We share data only with service providers who process it on our behalf — such as payment processors like Paytm and PhonePe — under strict data-processing agreements.

After account closure, we retain transaction records and identity documents for the period required under applicable Indian financial and anti-money-laundering regulations. Once that statutory period expires, all personal data tied to your account is deleted from our production and backup systems.

Yes. Submit a subject-access request via the email address on our privacy contact page or through the Data and Privacy section inside your account settings. We will compile and send your data package within five business days of verifying your identity.

Minor corrections — like a phone number or address update — can be made directly in your account settings. For identity-document corrections, contact our privacy team by email with the corrected document attached, and we will update the record after re-verification.

When you deposit via UPI or PhonePe, the payment network processes the transaction and shares a confirmation token with us. We store that token and the transaction amount for reconciliation and fraud prevention — we do not store your full UPI credentials or bank account details on our servers.

Reach out to our privacy team first via the email or live-chat channels listed on this page. If you are not satisfied with our response, you have the right to escalate the matter to the relevant data-protection authority in your jurisdiction under applicable Indian law.

How 0il Handles Your Personal Data

How to Contact Us About Your Data

Six Ways We Protect and Manage Your Information

Encryption at Rest and in Transit

Cookie Controls You Manage

Account Security and Two-Factor Login

Retention Schedule and Deletion

Who Can See Your Data Inside 0il

Requesting Changes to Your Record

Common Questions About Your Data and Rights

01 What personal data does 0il collect when I open an account?

02 Does 0il sell my personal data to third parties?

03 How long does 0il keep my data after I close my account?

04 Can I request a copy of all the data 0il holds on me?

05 How do I ask 0il to correct inaccurate information on my account?

06 What happens to my payment data when I use UPI or PhonePe to deposit?

07 Who do I contact if I believe my privacy rights have been violated?

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