How 0tt Applies Its Legal Policies
When you open an account with 0tt, you enter into a binding agreement that defines what we owe you and what we ask of you. Our policies are written to reflect Indian regulatory conditions and the payment methods you actually use — UPI, Paytm, PhonePe —
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so nothing is buried in clauses written for another jurisdiction. We collect only the data needed to verify your identity, process transactions and keep your account secure. We do not sell personal data to third parties. Any updates to these terms will be communicated via email
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before they take effect, giving you time to review the changes. Where local law creates a specific obligation — whether around data residency, transaction records or account eligibility — we follow that obligation first. If you have a question about how a specific clause applies to
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your account, our support team is reachable around the clock.
Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.