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How 0epfo Handles Your Personal Data

At 0epfo, we are clear about what personal data we collect from you, why we collect it, and how we keep it secure.

Data collected only as neededUPI & Paytm transaction privacyEncrypted account storageYour right to access your dataIndia-specific policy scope
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0epfo How 0epfo Handles Your Personal Data
REACH OUR PRIVACY TEAM

Contact Us About Your Privacy Rights

If you have questions about how your data is stored, want to request a copy of the information we hold about you, or would like us to correct or erase your personal data, our dedicated privacy support team is available seven days a week. Reach out through any of the channels below and we aim to respond within two business days.

Team online

Email Privacy Support

Send your data access or erasure request directly to our privacy team by email. Include your registered mobile number and the nature of your request so we can locate your account records efficiently.

Live Chat Channel

Start a live chat session from within your 0epfo account dashboard. Our agents can log a formal privacy request on your behalf and provide a reference number so you can track progress.

Written Correspondence

For formal requests or legal notices relating to your personal data, you may write to our data controller address. We acknowledge written correspondence within five working days and respond in full within thirty days.

DATA HANDLING PRACTICES

How We Protect and Manage Your Information

Our data handling practices are designed to give you transparency and control at every step.

End-to-End Encryption

All personal data transmitted between your device and our servers — including UPI payment details and account credentials — is encrypted using TLS 1.3. Data at rest is encrypted with AES-256 so your information stays protected even in storage.

Cookie Policy

We use session cookies to keep you logged in and analytics cookies to understand how pages are used. You can adjust cookie preferences from the settings panel in your browser at any time without affecting your ability to log into your account.

Account Security Controls

Your account is protected by hashed passwords and optional two-factor authentication via your registered mobile number. Suspicious login attempts trigger an automatic notification to your email or Paytm-linked contact, letting you act immediately.

Data Retention Schedule

We retain transaction records, including PhonePe and UPI withdrawal logs, for the period required under Indian financial regulations. Once that period ends, records are permanently deleted from our active databases and backup archives.

Third-Party Data Sharing

We share data only with payment processors — such as UPI gateways and Paytm — strictly to complete your transactions. We do not share personal data with advertisers, data brokers or any party not directly involved in operating your account.

Your Right to Request Changes

You can request a copy of your personal data, ask us to correct inaccuracies, or ask for deletion by contacting our privacy team. We verify your identity before actioning any request and confirm completion in writing once your data has been updated or removed.

Frequently Asked Questions About Our Privacy Policy

We have answered the most common privacy questions we receive from account holders in India. If your question is not covered here, contact our privacy support team directly via email or live chat and we will respond within two business days.

We collect your full name, email address, mobile number and date of birth at registration. If you deposit via UPI or Paytm, we also store the payment identifier linked to that transaction solely for verification and record-keeping purposes.

We share data only with the payment processors needed to complete your transactions — for example, UPI gateways and Paytm. We do not sell, rent or trade your personal data with advertisers or data brokers under any circumstances.

Send a data access request to our privacy email or start a live chat from your account dashboard. Verify your identity with your registered mobile number and we will deliver your data export within thirty days.

Yes. You may request erasure of your personal data at any time. We will delete all information not required to be retained under Indian financial regulations and confirm the deletion in writing once complete.

Transaction records, including UPI, Paytm and PhonePe withdrawal logs, are kept for the period mandated by applicable Indian regulations. Once that period expires, records are permanently removed from our active systems and backup archives.

We use session cookies for login continuity and analytics cookies to understand page usage. You can manage or disable cookies from your browser settings at any time; adjusting analytics cookies does not prevent you from accessing your account.

This privacy policy applies to account holders in India. Access to the platform and the processing of your data depends on local law and is available where local law permits. Accounts created outside permitted regions may be subject to separate terms.

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