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Your Rights and Our Legal Commitments

At o1d105, our legal terms set out exactly how your account, your data and your activity on the platform are governed — so you know where you stand…

Terms of UsePrivacy PolicyCookie PolicyAccount SecurityUPI & Paytm Compliance
o1d105 Your Rights and Our Legal Commitments
LEGAL CONTACT PATHS

Reach Us for Policy Matters

If you have a question about a specific clause, a data request or a dispute under our terms, our compliance and legal support team is available through the channels below.

Email Support Send your legal or policy query to our compliance inbox. Include your registered account ID so we can locate your record and respond accurately within two business days.
Live Chat Our chat agents can escalate account-specific legal queries to the compliance team in real time. Available around the clock — start a chat from within your account dashboard.
Formal Written Request For data-access or data-deletion requests under applicable law, submit a written request through your account settings. We process and acknowledge formal requests within five working days.
HOW WE HANDLE THIS

Data, Cookies, Security and Your Account

We take a practical, transparent approach to every aspect of how your account data is collected, stored and used.

Data Collection

We collect only what is necessary to run your account — name, contact details, payment references for UPI or Paytm transactions, and activity logs needed for compliance purposes. Nothing surplus is stored.

Cookie Use

Our site uses session cookies to keep you logged in and analytics cookies to understand how pages are used. You can adjust cookie preferences from your browser settings at any time without affecting core account functionality.

Account Security

Passwords are hashed and never stored in plain text. We apply two-step verification at login and flag unusual access patterns — such as a new device or location — for an additional identity check before access is granted.

Data Retention

Account records are kept for as long as your account is active and for a statutory period after closure, as required by applicable Indian financial regulations. After that period, records are deleted from our live systems.

Your Right to Access

You can request a copy of the personal data we hold about you at any time. Submit the request through account settings or email our compliance inbox. We fulfil verified requests within 30 days.

Requesting Changes

To correct inaccurate data or request deletion of an inactive account, contact us via the formal written-request channel. We confirm receipt within 48 hours and complete actioned requests within 15 working days.

Common Questions About Our Legal Terms

These are the questions we receive most often about our terms, your data rights and how policy decisions affect your account. If your question is not here, our support team can connect you with the compliance desk directly.

Our terms apply where local law permits access to o1d105. Eligibility depends on the laws of your specific state or union territory. Check local regulations before opening an account, as we cannot confirm legality in every jurisdiction.

We collect your name, email address, mobile number and payment-method references — for example, your linked UPI handle or Paytm wallet ID. We do not collect surplus data beyond what is needed to operate and verify your account.

We retain records for the statutory period required under applicable Indian financial regulations following account closure. Once that period expires, your data is removed from our active systems and backups on the next scheduled purge cycle.

Yes. Submit a data-access request from within your account settings or email our compliance inbox with your account ID. We verify your identity first, then fulfil the request by sending a structured data file within 30 days.

Contact us through the formal written-request channel or email the compliance inbox. Describe the clause in question and your concern. We aim to provide a substantive written response within two business days of receiving your query.

Transaction references are logged for dispute resolution and regulatory compliance. We do not store full bank account numbers — only the payment handle or token provided by UPI, PhonePe or Paytm during the transaction flow.

We send a notification to your registered email address before any material change to our terms takes effect. Continuing to use your account after the stated effective date means you accept the revised terms as posted.