Reference

Legal terms before you join 0hone

0hone sets out the account terms, privacy duties, cookie choices and payment records you should read before you open an account in India, with UPI, Paytm and PhonePe…

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0hone Legal terms before you join 0hone
CONTACT ROUTES

Legal contacts for account requests

For legal requests, use the channel that matches the issue so we can route it correctly and reply with the right account checks.

Data request desk Ask for a copy, correction or deletion request through the data desk. We verify account ownership first, then share the next step, expected response path and any retention reason that may affect what can change.
Wallet dispute channel For a payment record issue, send the UPI, Paytm or PhonePe reference code and the account mobile number. We compare wallet logs with gateway status before making any legal record correction or written response.
Policy escalation If a term, cookie choice or account closure decision needs a second look, ask for policy escalation. The case is checked against current terms, local law, stored account activity and the reason previously given.
DATA CARE

How legal data is handled

Our legal handling is built around traceable records rather than broad promises. Account identity, wallet entries, login sessions and customer-care chats are stored with access controls, and internal access is restricted to…

Account identity

We collect name, mobile number, email, date of birth and verification documents when required by law or risk checks. The data is used to confirm account ownership, avoid mismatch and keep legal records tied to the right person.

Payment records

UPI, Paytm and PhonePe entries are stored with reference IDs, amount, status, gateway response and time. These records help us trace deposits, withdrawals, refunds and disputes without asking you to repeat the same details.

Cookie choices

Cookies support login sessions, fraud checks, language preference and page measurement. You can change browser settings, though account tools such as session continuity and security prompts may not work correctly if essential cookies are blocked.

Access security

We monitor device signals, IP changes and failed login attempts to identify account takeover risk. If an issue appears, we may pause sensitive actions until ownership is verified and the legal record is updated.

Retention periods

Some records stay longer because law, tax duties, payment disputes or fraud checks require them. When a record is no longer needed, we delete it or reduce it to non-identifying form under our retention process.

Correction requests

If account data is wrong, tell us which field needs a change and attach supporting proof. We update valid corrections, reject unsupported changes with a reason and keep an audit record of the decision.

Legal answers before account use

These answers cover the legal questions we receive most often from India account holders before they join, verify a wallet or ask for a data change. They are written to help you decide whether our terms fit your expectations before you create an account. For a decision on your own account, contact support with your registered mobile number and relevant payment reference. We reply after the required ownership checks.

The Terms of Use, Privacy Policy and Cookie Policy apply from the moment you create an account. They explain account eligibility, acceptable use, data handling, dispute steps, wallet records and when access may depend on local law.

Access and eligibility depend on local law and are available where local law permits. If a state or location restricts certain products, we may block access, close affected activity, ask for location checks or withhold features until the position is clear.

You can ask us to correct account details that are inaccurate, such as contact data or verification records. We may need proof, and payment, tax or compliance records may be retained where law requires storage.

Payment records are used to confirm wallet movements, investigate disputes, meet accounting duties and answer lawful requests. They include reference IDs, status, time, amount, gateway response and the account linked to the transaction.

You can request deletion, and we will remove data that is no longer needed for account operation. Some records may remain for legal, tax, payment dispute or fraud prevention reasons, then be deleted when retention ends.

Only the teams needed to handle the request can see the case details. This may include support, payments, security or legal staff, depending on whether the matter concerns identity, wallet records, cookies or account access.

Cookies can show session acceptance, login continuity and preference choices. They do not replace account documents, but they may support security checks, dispute handling and confirmation of when you accepted or changed policy choices.

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