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Our Legal Commitments to You

At 0epfo, every account is governed by a clear set of terms that tell you exactly what we do with your data, how we handle disputes, and what…

Terms of UsePrivacy PolicyCookie PolicyAccount Security RulesJurisdiction: India

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What Our Legal Terms Actually Cover

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

Our terms govern how 0epfo collects, stores, and processes account data, transaction records, and session activity when you use the platform in regions where access is permitted by local law. Deposits made via UPI, Paytm, or PhonePe are logged as financial transaction records and retained for

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the period required under applicable Indian financial regulations. Your account data — including KYC documents submitted during verification — is held in encrypted form and never sold to third parties. Disputes relating to account balances or transaction discrepancies are handled through our internal resolution process first,
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with escalation paths available in writing. By continuing to use 0epfo, you confirm that you have read and accepted the current version of these terms, which we may update when legal requirements change. We will notify you of material changes via your registered email before they
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take effect.

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

LEGAL CONTACT PATHS

Reach Us on Policy or Account Matters

If you have a question about how these terms apply to your account, or if you want to raise a legal concern, our support team has dedicated paths for policy-related queries. We aim to respond to all written legal requests within 48 hours on business days, and our live chat handles account-level clarifications around the clock.

Team online

Email Support

Send policy queries or data requests to our legal inbox. We aim to respond within 48 hours on business days. Include your registered account email for faster routing of your request.

Live Chat

Our chat agents are available at all hours to clarify account terms, explain policy clauses, or escalate your concern to the legal team when required. Available directly inside your account dashboard.

Written Dispute Form

For formal disputes — including transaction reversals or account suspension appeals — submit a written form through the Help section. We log every submission and track resolution through to closure.

HOW WE HANDLE DATA

Six Ways We Protect Your Account and Rights

From cookie consent to KYC retention, every data-handling decision at 0epfo follows a defined internal process designed to keep your account secure and your rights intact.

Data Retention Policy

We retain your account and transaction data only for as long as required by applicable Indian financial regulations. Once the retention period lapses, records are securely deleted from our servers in a documented process.

Cookie Management

We use session and analytics cookies to keep your account logged in and to measure page performance. You can review and withdraw cookie consent at any time through the cookie settings panel in your account.

Account Security

Accounts are protected by two-factor authentication and encrypted login tokens. Any unrecognised login attempt triggers an automatic email alert to your registered address so you can act immediately.

KYC Document Handling

Identity documents submitted for KYC verification are encrypted at rest and accessible only to our compliance team. We do not share these documents with marketing partners or third-party advertisers at any point.

Right to Correct Your Data

You may request a correction to any inaccurate personal detail on your account at any time. Submit the request via email or the written dispute form and we will process the amendment within five business days.

Right to Request Deletion

Where permitted by law, you may request deletion of personal data tied to a closed account. We will confirm which data can be erased and which must be retained under regulatory obligations before processing.

Common Legal Questions About Your Account

These questions cover the rights and obligations most frequently raised by account holders. If your question is not answered here, our legal contact paths above are the fastest route to a specific answer for your situation.

Your account is subject to the laws of the jurisdiction in which access is permitted. Where Indian law applies, our terms are structured to comply with applicable Indian regulations covering data, financial transactions, and consumer rights.

Send a data access request to our legal inbox from your registered email address. We will compile and return a summary of the personal data we hold within ten business days of receiving a verified request.

Transaction records linked to UPI, Paytm, or PhonePe payments are retained for the period required under applicable Indian financial regulations, even after account closure. We cannot delete them early but will confirm the exact retention timeline on request.

Yes. You can withdraw consent for analytics cookies through the cookie settings panel at any time. This does not affect data we are legally required to retain, such as financial transaction logs or KYC records.

Submit a written dispute through the Help section inside your account. We log the submission, assign a reference number, and aim to complete our internal review within seven business days, with written confirmation at each stage.

We will email your registered address before any material change to our terms takes effect. The updated version will also be published on this page with the effective date clearly marked at the top of the document.

Access depends on the laws of your specific state and region within India. It is your responsibility to verify that using the platform is lawful where you are located. We do not override local or state-level restrictions.

Our Legal Commitments to You

Reach Us on Policy or Account Matters

Email Support

Live Chat

Written Dispute Form

Six Ways We Protect Your Account and Rights

Data Retention Policy

Cookie Management

Account Security

KYC Document Handling

Right to Correct Your Data

Right to Request Deletion

Common Legal Questions About Your Account

01 Which law governs my 0epfo account?

02 How do I request a copy of the data 0epfo holds about me?

03 What happens to my UPI or Paytm transaction records when I close my account?

04 Can I ask 0epfo to stop using my data for analytics?

05 What is the process for disputing a transaction on my account?

06 How will I know if the legal terms have changed?

07 Is my access to 0epfo legally permitted in my state in India?

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