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Terms & Conditions That Govern Your Account

These Terms & Conditions set out the agreement between you and 0epfo whenever you open an account, make deposits via UPI, Paytm or PhonePe, or access any part…

Account Eligibility RulesDeposits via UPI, Paytm, PhonePeWithdrawal & Verification PolicyJurisdiction-Dependent AccessDispute Resolution Process

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What These Terms Actually Cover

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

By accessing 0epfo and completing the account registration process, you confirm that you have read, understood, and agree to be bound by these Terms & Conditions in their entirety. This agreement covers how your account is created and maintained, how funds are moved through payment channels

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including UPI, Paytm and PhonePe, how we handle disputes, and the circumstances under which an account may be suspended or permanently closed. We may update these Terms & Conditions from time to time; when we do, we will notify you through the contact details on your
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account. Continued use of the platform after any such update constitutes your acceptance of the revised terms. If any clause conflicts with local law in your state or territory, local law will take precedence to the extent required.

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

TERMS QUERY CHANNELS

How to Reach Us About These Terms

If any clause in these Terms & Conditions is unclear, or if you believe a term has been applied to your account in error, our support team is available around the clock. Reach out through any of the channels below and reference your account ID so we can locate your case without delay.

Team online

Live Chat Support

Start a live chat session directly from your account dashboard at any hour. Quote your account ID and the specific clause you are querying so our team can review your case and respond within minutes.

Email Disputes Desk

Send a detailed email describing the term in question, the date of the action you are disputing, and your registered account email. We aim to acknowledge every email within four business hours and resolve within 48 hours.

Help Centre Article Search

Our Help Centre holds plain-language summaries of every major clause in these Terms & Conditions. Search by topic — account closure, UPI refunds, or verification requirements — to find step-by-step answers without waiting for an agent.

HOW WE UPHOLD POLICY

How 0epfo Manages Your Rights Under These Terms

These Terms & Conditions are not a formality — they define concrete obligations on our side as much as yours.

Account Data Handling

We store your personal information on encrypted servers. You may request a copy of the data we hold on your account at any time by contacting our support team with your registered email and a valid identity document.

Cookie & Tracking Policy

Our platform uses session cookies to keep you logged in and analytics cookies to improve performance. You can manage cookie preferences from the settings panel inside your account; withdrawing consent does not affect your ability to transact.

Account Security Practices

Two-factor authentication is available on every account and we strongly encourage you to enable it. Login attempts from unrecognised devices trigger an automatic email alert to your registered address so you remain in control at all times.

Data Retention Periods

We retain transaction records, including UPI, Paytm and PhonePe history, for a minimum of seven years in line with standard financial record requirements. Account data is deleted or anonymised within 90 days of a verified account closure request.

Requesting Changes to Your Record

You have the right to request corrections to inaccurate personal data we hold. Submit a correction request via email with supporting documentation, and we will confirm the update or explain why a change cannot be made within five business days.

Escalation & Complaints Path

If you are unsatisfied with how a term has been applied, you may escalate your complaint in writing to our Compliance team. We commit to a written response within seven business days and will document every step of the resolution process for your records.

Frequently Asked Questions About These Terms

Below are the questions we receive most often about how our Terms & Conditions apply to real account situations. If your question is not answered here, the live chat channel or email desk can walk you through the specific clause that applies to your case.

These Terms & Conditions apply to any person who opens an account on 0epfo and accesses the platform where local law permits. By completing registration, you enter into a binding agreement with us and confirm you have read these terms in full before proceeding.

Yes, we may update these terms at any time. When we make material changes, we will notify you via your registered email or through an in-platform alert. Continuing to use your account after the update takes effect means you have accepted the revised version of these terms.

Where any clause conflicts with applicable local law in your state or territory, the local legal requirement will take precedence to the extent necessary. We encourage you to verify whether accessing the platform is permitted under the laws that apply to your location before opening an account.

Contact our support team via live chat or email and provide your account ID, the date of the decision, and the clause you believe was applied incorrectly. Our Compliance team will issue a written response within seven business days detailing the outcome and rationale.

Yes. All payment transactions, including those made via UPI, Paytm and PhonePe, are governed by these Terms & Conditions. Records are retained for a minimum of seven years and are available to you on request through our support email desk.

Submit a written request to our support email with your account ID, registered email, and a description of the data you wish to have corrected or deleted. We will confirm receipt within 24 hours and complete the action or provide a written explanation within five business days.

We reserve the right to suspend or permanently close an account if we identify a breach of these terms, fraudulent activity, or if access becomes inconsistent with local law in your region. We will notify you in writing before any permanent closure unless fraud prevention requirements prevent prior notice.

Terms & Conditions That Govern Your Account

How to Reach Us About These Terms

Live Chat Support

Email Disputes Desk

Help Centre Article Search

How 0epfo Manages Your Rights Under These Terms

Account Data Handling

Cookie & Tracking Policy

Account Security Practices

Data Retention Periods

Requesting Changes to Your Record

Escalation & Complaints Path

Frequently Asked Questions About These Terms

01 Who do these Terms & Conditions apply to?

02 Can 0epfo change the Terms & Conditions after I have opened my account?

03 What happens if a term conflicts with Indian state law?

04 How do I dispute a decision made under these Terms & Conditions?

05 Are my UPI and Paytm transaction records covered under these terms?

06 How do I request deletion or correction of my personal data?

07 Under what circumstances can my account be suspended or closed?

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