Reference

How 0y0 Handles Your Personal Data

At 0y0, we collect only what we need to run your account, process withdrawals and keep your sessions secure — nothing more.

Data Collected Only as NeededUPI & Paytm Transaction PrivacyYour Right to Request DeletionSecure Account SessionsIndia-Region Data Handling
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0y0 How 0y0 Handles Your Personal Data
PRIVACY CONTACT PATHS

Reach Us About Your Data

Email Our Privacy Team Send your data request, correction notice or deletion query directly to our privacy desk at 0y0.club. We aim to acknowledge every email within 24 hours and resolve it within 7 working days.
Live Chat Support Open the live chat widget on 0y0.club and ask for the Privacy or Data team. Our agents are available around the clock to log your request and escalate it to the right person immediately.
Written Postal Request For formal data-subject requests under applicable Indian law, you may submit a written notice through our contact form. We will confirm receipt and provide a reference number within two business days.
HOW WE PROTECT DATA

Our Data Handling Commitments to You

Encrypted Data Storage

All personal details — including your mobile number, email and linked UPI or Paytm identifiers — are stored using AES-256 encryption at rest. We run regular audits to confirm that no plain-text records remain accessible outside controlled environments.

Cookie Use Explained

We use session cookies to keep you logged in and analytics cookies in aggregate to understand page performance. We do not use tracking cookies for cross-site advertising. You can clear cookies from your browser at any time without losing your account data.

Account Security Practices

Two-step verification is available for your 0y0 account and we strongly encourage you to activate it. Login attempts from unfamiliar devices trigger an email alert so you are always aware of new session activity on your profile.

Data Retention Periods

We keep transaction logs — including PhonePe and UPI references — for the minimum period required under Indian financial rules. Once that period lapses, records are purged from live systems and removed from backup storage within 90 days.

Third-Party Data Sharing

We share data with payment processors like UPI networks, Paytm and PhonePe only to the extent needed to complete your transaction. No marketing partner, data broker or advertiser receives your personally identifiable account details.

Requesting Changes to Your Data

You may request a copy of the personal data we hold, ask us to correct inaccuracies or close your account through our live chat or privacy email. We process correction requests within 7 working days and deletion requests within 30 days.

Frequently Asked Privacy Questions

These answers cover the most common questions we receive about how your data is handled at 0y0. If your question is not here, reach our privacy team via live chat or email and we will respond within one business day.

We collect your name, email, mobile number and payment references tied to UPI, Paytm or PhonePe. We also record device type and session timestamps to protect your account from unauthorised access, as permitted under local law in India.

No. We share your data only with payment processors — such as UPI networks and Paytm — strictly to complete your transactions. We do not sell, rent or trade your personal information with advertisers, data brokers or any unaffiliated third party.

Contact our privacy team via the live chat on 0y0.club or email us directly. State your registered mobile number and the type of data you need. We will send a structured copy of your account data within 7 working days of verifying your identity.

Yes, you may request full account closure and data deletion at any time where local Indian law permits. We complete deletions within 30 days and remove backup copies within a further 90 days, except records we must keep under applicable financial regulations.

Transaction records — including UPI and PhonePe references — are retained for the minimum period required by Indian financial rules. After that mandatory period ends, we purge records from live databases and clear them from backups within 90 days.

We use session cookies for login continuity and aggregate analytics cookies to measure page performance. No cross-site advertising cookies are set. You can clear all cookies in your browser settings at any time; your account data on our servers remains unaffected.

Write to our privacy desk via the contact form on 0y0.club or use the live chat and ask for the Privacy team. We log every complaint with a reference number and aim to provide a written response within 7 working days of receipt.

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