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Legal Terms That Protect Your Account

At z09, our legal framework covers how your account data is stored, how transactions through UPI, Paytm and PhonePe are handled, and what rights you hold under applicable…

Privacy PolicyTerms of UseAccount RightsData RetentionContact Paths

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How Our Policies Apply to You

z09 Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

z09 operates under a jurisdiction-dependent access model, meaning the services available to you are shaped by the laws of the region where you access the platform. For accounts linked to UPI, Paytm or PhonePe, transaction records are retained in line with applicable financial regulations. We collect

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only the data needed to verify your identity, process withdrawals and maintain account security. You have the right to request a copy of the personal data we hold about you, and to ask us to correct or delete it where law permits. Our privacy practices follow
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the principles of purpose limitation and data minimisation — we do not sell your data to third parties. If you are in Mumbai or elsewhere in India, these terms apply to you equally wherever local law recognises your access rights.

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

REACH OUR LEGAL DESK

Contact Us on Policy Matters

If you have a question about your rights, a data request or a concern about how your account information is handled, our policy support team is reachable through the channels below.

Email Support Send your data request or legal query to our dedicated policy mailbox. We acknowledge receipt within 24 hours and resolve most requests within five business days, keeping you updated at each step.

Live Chat Reach our policy team directly through the live chat window in your account dashboard. Available daily, the chat channel is the fastest route for account-specific legal clarifications and withdrawal dispute queries.

Formal Written Request For requests requiring documented evidence — such as full data exports or account closure — submit a formal written request through the account settings panel. We process these in line with our stated retention and deletion schedule.

HOW WE HANDLE YOUR DATA

Six Ways z09 Protects Your Account

Security and transparency are not afterthoughts at z09 — they are built into every layer of how we handle account data, payments and communications.

Encrypted Data Storage

All personal data — including identity documents uploaded during verification — is stored with AES-256 encryption at rest. Access is restricted to authorised personnel only, and access logs are audited monthly to detect any anomalies.

Cookie Transparency

We use session cookies for login continuity and analytics cookies to understand how pages are used. You can review and withdraw cookie consent at any time through the cookie settings panel at the bottom of every page.

Account Security Layers

Two-factor authentication is available for all accounts and strongly encouraged. Login attempts from unrecognised devices trigger an email alert, giving you immediate visibility of any access you did not initiate.

Retention Schedule

Transaction records linked to UPI, Paytm and PhonePe are retained for the period required by applicable financial law, then securely deleted. Account data for closed accounts is purged within 90 days of closure unless a legal hold applies.

Data Access Requests

You can request a full export of the personal data we hold on your account at any time. Submit the request through account settings or by emailing our policy desk, and we will deliver a machine-readable file within 30 days.

Policy Change Notification

When our privacy policy or terms of use change in any material way, we notify you by email at least 14 days before the changes take effect. You always have the option to review the changes before they apply to your account.

What You Need to Know About Your Rights

These questions cover the legal and privacy topics we hear about most — from how your UPI payment data is stored to how you can close your account and request deletion. If your question is not here, our policy support team is reachable via live chat or email.

We collect your name, contact details, date of birth and identity documents for verification purposes. Payment-method details such as your UPI handle or Paytm number are recorded only to process transactions and comply with financial regulations applicable in your region.

Transaction records linked to UPI, Paytm and PhonePe are held for the period required by applicable Indian financial law. Once that period expires, records are securely deleted from our systems unless a regulatory hold is in place.

Yes. Submit a data access request through your account settings or email our policy desk. We will provide a machine-readable export of your personal data within 30 days, free of charge, as permitted under applicable data protection law.

Submit a deletion request via the account settings panel or through our formal written request channel. We will close the account and purge personal data within 90 days, retaining only what applicable law requires us to keep for a specified period.

We do not sell your personal data. We share it only with payment processors like UPI gateways and Paytm infrastructure partners to complete transactions, and with identity-verification services as required by law. All third parties are bound by data-processing agreements.

We send an email notification at least 14 days before any material change to our terms or privacy policy takes effect. You can review the updated document before the change applies, and contact our policy team if you have questions about how it affects your account.

Reach our policy support team first via live chat or email — most concerns are resolved at this stage. If you remain unsatisfied, you have the right to escalate to the relevant data protection authority in your jurisdiction as permitted under local law.

Legal Terms That Protect Your Account

Contact Us on Policy Matters

Six Ways z09 Protects Your Account

Encrypted Data Storage

Cookie Transparency

Account Security Layers

Retention Schedule

Data Access Requests

Policy Change Notification

What You Need to Know About Your Rights

01 What personal data does z09 collect when I open an account?

02 How long does z09 keep my transaction records?

03 Can I request a copy of all the data z09 holds about me?

04 How do I ask z09 to delete my account and personal data?

05 Does z09 share my data with third parties?

06 What happens if z09's terms of use change?

07 Who do I contact if I believe my legal rights have not been respected?

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