Browse the Full Scope of Our Terms
These Terms & Conditions apply to every account registered on 0ziva and cover how your account is created, how funds move through your wallet via UPI, Paytm, or PhonePe, and how disputes are handled. Access to certain features depends on local law and is available only
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where local law permits. By continuing to use your account, you confirm you have read and accepted all conditions stated here. We may update these terms periodically; changes take effect from the date we publish them on this page, and continued account use after that date
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constitutes acceptance. Your payment method — UPI, Paytm, or PhonePe — does not affect which terms govern your account; the same conditions apply across all supported payment rails.
Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.