Reference

How 0q0 Handles Your Personal Data

This Privacy Policy sets out exactly what data we collect when you open an account or use our platform, how we store it, and what rights you hold…

Data You ControlClear Retention RulesIndia-Region ScopeDirect Contact PathNo Third-Party Selling

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What This Policy Covers and Where It Applies

0q0 Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

0q0 collects personal data — such as your name, email address, phone number, and payment identifiers linked to UPI, Paytm, or PhonePe — only to operate your account and process transactions. Data is processed under applicable Indian data-protection law, and access to our platform depends on

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whether local law in your region permits it. We do not sell or rent your personal data to any third party for marketing. Data shared with payment processors like UPI, Paytm, and PhonePe is limited strictly to what those processors need to clear a transaction. You
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may request a copy of the data we hold, ask us to correct inaccuracies, or request deletion where no legal obligation requires us to keep it.

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

If you have a question about how your data is handled, want to request a correction, or need to raise a concern about this Privacy Policy, our dedicated privacy team is reachable…

Privacy Email Send your data request, correction notice or policy question to our privacy email address. Include your registered account email so we can locate your records and reply promptly within 72 hours.

Live Chat Support Open the live chat widget from any page while logged in and select the Privacy option from the topic menu. Our agents can log your request and escalate it to the privacy team on your behalf.

In-Account Request Form Navigate to Account Settings, then Data and Privacy, to submit a formal access or deletion request directly from your dashboard. You will receive a confirmation reference number for your records.

HOW WE PROTECT YOUR DATA

Data Handling, Cookies and Account Security at 0q0

We apply multiple layers of technical and organisational controls to keep your account data secure and your privacy rights intact.

Cookies and Tracking

We use session cookies to keep you logged in and analytics cookies to understand how pages are used. You can manage cookie preferences from the settings panel; disabling analytics cookies does not affect your ability to use your account.

Account Security Controls

Passwords are stored as salted hashes and never in plain text. We support two-step login verification, and any suspicious login attempt from an unrecognised device triggers an email alert to your registered address before access is granted.

Payment Data Handling

Payment details entered during a UPI, Paytm, or PhonePe transaction are passed directly to the respective processor over an encrypted connection. We do not store your full payment credentials on our servers after a transaction completes.

Data Retention Period

Account data is retained for as long as your account is active and for a period thereafter as required by applicable law. Once the retention window closes and no legal hold applies, personal data is deleted or anonymised from our systems.

Third-Party Data Sharing

We share data only with processors directly needed to run your account — payment gateways, fraud-screening tools, and customer support software. Each third party is bound by a data-processing agreement that limits how they may use your information.

Your Right to Request Changes

You may ask us to access, correct, port, or erase your personal data at any time. Submit a request via the in-account Privacy form or by email, and we will confirm receipt and complete the action within the timeframe required by applicable law.

Frequently Asked Questions About This Privacy Policy

The questions below cover the data rights and privacy topics our account holders ask about most. If your question is not answered here, reach out directly through the support channels listed on this page.

We collect the name, email address, phone number and identity documents you provide during account creation. We also record device type, IP address and session activity to keep your account secure and meet legal obligations.

Payment data is transmitted over an encrypted connection directly to the UPI, Paytm, or PhonePe processor. Once a transaction is complete, we do not retain your full payment credentials on our servers — only a masked reference for your account history.

Yes. Submit a data-access request via the Account Settings privacy form or by emailing our privacy team. We will compile and send a copy of your personal data within the timeframe required by applicable Indian data-protection law.

Use the in-account Data and Privacy form or contact us by email to submit a deletion request. We will erase or anonymise your data once the legally required retention period has passed and no active obligations prevent deletion.

We do not sell or rent your personal data to any third party for their own marketing purposes. Data is shared only with processors that help us operate the platform — payment gateways, fraud tools — under strict data-processing agreements.

We retain your data for the period required by applicable law after account closure. When that window ends and no legal hold applies, your personal data is deleted or anonymised and is no longer accessible to our systems or staff.

Contact our privacy team directly via email or live chat with your concern and account details. If you are not satisfied with our response, you have the right to raise the matter with the relevant data-protection authority in your jurisdiction.

How 0q0 Handles Your Personal Data

How to Contact Us About Your Data

Data Handling, Cookies and Account Security at 0q0

Cookies and Tracking

Account Security Controls

Payment Data Handling

Data Retention Period

Third-Party Data Sharing

Your Right to Request Changes

Frequently Asked Questions About This Privacy Policy

01 What personal data does 0q0 collect when I open an account?

02 How is my UPI or Paytm payment data protected?

03 Can I request a copy of all the data 0q0 holds about me?

04 How do I ask 0q0 to delete my personal data?

05 Does 0q0 share my data with third parties for marketing?

06 How long does 0q0 keep my account data after I close my account?

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

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