Reference

How 0tt Handles Your Personal Data

Q: Who should I contact if I believe my data has been mishandled?

Email privacy@0tt.club with a description of your concern and your account reference. Our privacy team will investigate and respond within 15 working days. You also have the right to escalate concerns to the relevant data authority under Indian law.

At 0tt, your personal data belongs to you — we collect only what we need to run your account, process payments via UPI, Paytm and PhonePe, and keep…

Data you controlSecure account storageUPI & Paytm transactions coveredYour right to request deletionIndia-region data handling

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What This Policy Covers and Where It Applies

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

This privacy policy applies to all personal data 0tt collects when you open an account, deposit via UPI, Paytm or PhonePe, or contact our support team. The scope covers data gathered through our website at 0tt.club, our mobile experience, and any communication channel you use to

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reach us. Eligibility to use 0tt depends on local law and is available where local law permits. We process your data on servers with encryption at rest and in transit. Data shared with payment processors — such as UPI rails, Paytm or PhonePe — is governed
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by those processors' own policies in addition to ours. We do not sell your personal data to third-party marketers. Retention periods and deletion rights are described further in the sections below.

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

PRIVACY CONTACT PATHS

Reach Us About Your Privacy Rights

If you want to access your data, correct an error, or ask us to remove information from our records, our privacy team is reachable through three…

DATA HANDLING PRACTICES

How We Protect and Manage Your Information

Every layer of our data handling — from the moment you enter your details at account opening to the day you request deletion — is built around limiting…

Account Data Security

Your account credentials are hashed using industry-standard algorithms; plain-text passwords are never stored.

Cookie and Tracking Policy

We use session cookies to keep you logged in and analytics cookies to understand which pages load slowly or break…

Payment Data Handling

When you deposit via UPI, Paytm or PhonePe, we receive a transaction reference and status confirmation — not your full…

Data Retention Periods

Active account data is retained while your account remains open.

Third-Party Data Sharing

We share data only with partners essential to running your account — payment processors, fraud-detection services and, where required, regulatory…

Requesting Changes to Your Data

You can request a copy of your stored data, ask us to correct inaccuracies, or submit a deletion request through…

Common Questions About Your Privacy at 0tt

These questions cover the data rights and privacy practices we hear about most from people with 0tt accounts in India. If your question is not answered here, reach out via the contact paths listed above and we will respond in detail.

We collect your name, email address, date of birth and contact number at registration. If you deposit via UPI, Paytm or PhonePe, we also store the transaction reference and status to reconcile your wallet balance accurately.

Data may be processed by payment infrastructure providers whose servers are located outside India. Any such transfer occurs under data protection agreements that require the recipient to apply equivalent security standards to your information.

We retain your records for the minimum period mandated by applicable Indian financial and anti-fraud regulations. Once that period expires, data is either permanently deleted or anonymised so it can no longer be linked back to you.

Yes. Log in, navigate to Account Settings, and select My Data to generate a downloadable file of your profile, transaction history and communication logs. The file is ready within a few minutes of your request.

Submit a deletion request through Account Settings or email [email protected] with your registered account identifier. We will acknowledge within 48 hours and complete the deletion within 15 working days, subject to any legal retention obligations.

We use essential session cookies to keep your session active and optional analytics cookies to monitor page performance. You can disable non-essential cookies in your browser settings; this will not affect your ability to log in or deposit.

Email [email protected] with a description of your concern and your account reference. Our privacy team will investigate and respond within 15 working days. You also have the right to escalate concerns to the relevant data authority under Indian law.

How 0tt Handles Your Personal Data

Reach Us About Your Privacy Rights

How We Protect and Manage Your Information

Account Data Security

Cookie and Tracking Policy

Payment Data Handling

Data Retention Periods

Third-Party Data Sharing

Requesting Changes to Your Data

Common Questions About Your Privacy at 0tt

01 What personal data does 0tt collect when I open an account?

02 Does 0tt share my data with third parties outside India?

03 How long does 0tt keep my data after I close my account?

04 Can I download a copy of all the data 0tt holds about me?

05 How do I ask 0tt to delete my personal information?

06 What cookies does 0tt use and can I turn them off?

07 Who should I contact if I believe my data has been mishandled?

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