Reference

Understand the Terms That Govern Your Account

Q: How do I request a copy of the personal data you hold about me?

Email legal@0ziva.com from the address registered to your account, clearly stating that you want a data access request. We will verify your identity and send a structured data export to your registered email within five working days of confirming your request.

Q: How do I raise a formal complaint about how my data has been handled?

Write to legal@0ziva.com with your account email and a clear description of your concern. Our compliance officer reviews all formal data complaints and issues a written decision within 10 working days. If still unresolved, you can escalate to the relevant Indian data authority.

At 0ziva, every account is subject to a clear set of terms that protect both you and us — covering how your data is handled, what you can…

Account TermsPrivacy PolicyCookie PolicyDispute ResolutionData Retention

Explore the Lobby Read FAQ

What Our Terms Cover and How They Apply

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

Our terms and conditions form a binding agreement between you and 0ziva from the moment you open an account. They govern how deposits made through UPI, Paytm or PhonePe are processed, how withdrawals are verified against your registered account details, and how your personal data is

1
stored and used. Access to certain services depends on your location and is only available where local law permits. We update these terms when regulations, payment infrastructure or platform features change, and we notify account holders of material changes before they take effect. If you continue
2
using the platform after a notified change, that constitutes acceptance of the revised terms. For questions about how a specific clause applies to your account, reach our compliance desk at [email protected].

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

REACH LEGAL SUPPORT

Contact Us About Policy or Account Matters

If you have a question about how our terms apply to your account, how your data is handled, or how to raise a formal complaint, our support team has dedicated paths for legal and compliance queries. Responses to formal data or legal requests are issued within five working days.

Team online

Legal and Compliance Email

Send a detailed query or formal request to [email protected]. We acknowledge all legal correspondence within 24 hours and issue a substantive response within five working days of receiving your message.

Live Chat for Policy Questions

Use the live chat widget in your account dashboard to ask policy questions in real time. Our agents can clarify how terms apply to your account, though formal data requests must follow the email process.

Written Postal Address

For formal legal notices that must be submitted in writing, you can send correspondence to our registered address listed at the bottom of this page. Please mark the envelope clearly as a legal notice.

HOW WE HANDLE COMPLIANCE

Browse Our Data, Security and Account Practices

We take our obligations under applicable Indian data law seriously. Here is how we handle the areas that matter most to your account.

Data Handling and Storage

Your personal information — name, contact details and payment identifiers — is stored on encrypted servers. We do not sell your data to third parties and share it only with payment processors like UPI, Paytm and PhonePe to complete your transactions.

Cookie Policy

We use functional, analytics and preference cookies. Functional cookies are essential for your account session to work. You can manage analytics and preference cookies through the cookie settings panel in your account, and your choices are stored for 12 months.

Account Security Measures

Accounts are protected with two-step verification via SMS or an authenticator app. Our systems flag unusual login locations and notify you immediately by email. You can also view your active sessions and terminate any that you do not recognise from the security tab.

Data Retention Period

We retain account and transaction records for the period required under applicable Indian financial regulations. Once that period expires and your account is closed, we delete personally identifiable data from production systems and purge it from backups within 90 days.

Requesting Changes to Your Data

You have the right to request a copy of the data we hold about you, to correct inaccurate details, or to ask us to delete data that we are no longer required to retain. Send these requests with your account email to [email protected] and we will respond within five working days.

Dispute and Escalation Path

If a resolution offered by our support team does not satisfy you, you can escalate to our compliance officer by replying to your support ticket and marking it as a formal complaint. All formal complaints receive a written decision within 10 working days.

Common Questions About Our Legal Terms

If something in our terms is unclear, the answers below cover the questions we hear most from account holders in India. For anything not addressed here, write to [email protected].

The full terms are published on this page and linked in the footer of every page on 0ziva.com. You can also download a PDF version from your account dashboard under the Documents section at any time.

Yes, if you have opened an account and access is available where you are located under local law. Eligibility for specific features depends on your region, and some services may be restricted based on applicable Indian regulations at the time you access them.

Email [email protected] from the address registered to your account, clearly stating that you want a data access request. We will verify your identity and send a structured data export to your registered email within five working days of confirming your request.

You can request deletion of data we are not legally required to retain. Financial transaction records are kept for the period mandated by Indian financial regulations. Once that obligation ends, we delete production data and clear it from backups within 90 days of your request.

When you close your account, we archive your data for the legally required retention period. During that window the data is not used for marketing. After the period expires we delete personally identifiable information from all systems, including backups, within 90 days.

We notify all account holders of material changes by email to their registered address at least 14 days before the change takes effect. A summary of what changed and why is included in that email, and the full revised document is published on this page with a version date.

Write to [email protected] with your account email and a clear description of your concern. Our compliance officer reviews all formal data complaints and issues a written decision within 10 working days. If still unresolved, you can escalate to the relevant Indian data authority.

Understand the Terms That Govern Your Account

Contact Us About Policy or Account Matters

Legal and Compliance Email

Live Chat for Policy Questions

Written Postal Address

Browse Our Data, Security and Account Practices

Data Handling and Storage

Cookie Policy

Account Security Measures

Data Retention Period

Requesting Changes to Your Data

Dispute and Escalation Path

Common Questions About Our Legal Terms

01 Where can I read the full terms and conditions for my account?

02 Do these terms apply to me if I am in India?

03 How do I request a copy of the personal data you hold about me?

04 Can I ask you to delete my personal data?

05 What happens to my data if I close my account?

06 How will I know if the terms change?

07 How do I raise a formal complaint about how my data has been handled?

Related Pages