Reference

Our Legal Terms at o9oooo

Every account on o9oooo operates under a clear legal framework — covering your rights, our obligations, data handling and account conditions applicable where local law permits.

Account TermsPrivacy & Data RightsJurisdiction ConditionsCookie PolicyUser Eligibility
o9oooo Our Legal Terms at o9oooo
LEGAL CONTACT PATHS

Reach Us on Legal and Policy Matters

If you have a question about these terms, need to exercise a data right, or want to report a compliance concern, our support team handles legal-related queries through the channels below. We aim to acknowledge all legal queries within one working day and provide a substantive response within five.

Team online

Email Support

Send detailed legal queries, data access requests or account-condition questions to our legal support address. Written requests allow us to track, respond and document outcomes accurately for your records.

Live Chat

Use in-account live chat for immediate clarification on policy wording, account eligibility or jurisdiction-related questions. Agents can escalate complex matters to our compliance team during business hours.

Help Centre

Our Help Centre contains the current versions of all legal documents including the Privacy Policy, Cookie Policy and Account Terms. You can download or print any document directly from your account dashboard.

HOW WE PROTECT YOU

Data Handling, Cookies and Account Security

We take a structured approach to every area covered by our legal terms — from the moment you open an account to every transaction you make via UPI…

Data Retention

We retain account and transaction data only as long as required by applicable law or as necessary to resolve disputes.

Cookie Controls

Our cookie banner lets you accept, reject or customise non-essential cookies on first visit.

Account Security

Accounts are protected with password hashing, two-factor authentication and session-timeout controls.

Your Data Rights

You may request a copy of your personal data, ask us to correct inaccurate records, or request deletion where no…

Third-Party Sharing

We share data with payment processors (including UPI networks, Paytm and PhonePe) only to the extent needed to complete transactions.

Policy Update Notices

When we update any legal document, we email account holders at least seven days before the change takes effect.

Legal Policy Questions Answered

The answers below address the most common legal queries we receive from account holders in India — covering data rights, jurisdiction, cookies, account conditions and how to contact us when something needs to change.

Your account is governed by the laws of the jurisdiction in which o9oooo operates. Where those terms conflict with applicable local Indian law in your state or territory, local law takes precedence and we honour that hierarchy in all disputes.

Yes. Email our legal support address with your account details and a subject line marked 'Data Access Request'. We will compile and send your data within five working days of verifying your identity, at no charge to you.

Submit a deletion request via email or live chat. We will remove data that is not subject to a legal retention obligation. Transaction records linked to UPI, Paytm or PhonePe payments may be held for the period required by financial regulations.

We use essential cookies for login and payment-session security, and optional analytics cookies to improve page performance. You can reject optional cookies at any time via the cookie banner or your browser settings without losing account access.

We share data with payment processors like UPI networks, Paytm and PhonePe strictly to process your transactions. Beyond that, data is shared only where required by law or to defend against fraud — never for advertising purposes.

We send an email notification to your registered address at least seven days before any material change takes effect. The revised document is published with a timestamp. Continuing to use your account after that date means you accept the updated terms.

Contact our legal support team first — most issues are resolved within five working days. If you remain unsatisfied, you have the right to escalate to the relevant data-protection authority in your jurisdiction under applicable Indian data-protection law.