Reference

Your Rights and Our Policy Commitments

At x00td, our legal terms set out clearly what you can expect from us and what we ask of you — covering account conduct, data handling, jurisdiction eligibility…

Jurisdiction-Dependent AccessData Protection StandardsAccount Security PolicyDispute Resolution ProcessUPI & Paytm Compliance

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How Our Terms Apply to Your Account

x00td Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

When you open an account with us, you enter into a binding agreement governed by the terms laid out on this page. These terms cover how your personal data is stored and processed, how transactions via UPI, Paytm and PhonePe are recorded and verified, and what

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obligations both parties hold. Eligibility to access x00td depends on the laws applicable in your state or territory — we do not extend services where local legislation prohibits it. Account activity, including deposits through Paytm and withdrawals processed back to UPI-linked accounts, is logged for compliance
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and audit purposes. You retain the right to request a copy of your data, to correct inaccuracies and to raise a concern with our compliance team at any time through the contact paths listed on this page.

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

CONTACT LEGAL TEAM

Reach Us About Any Policy Matter

If you have a question about how our terms apply to your account, want to exercise a data right, or need clarification on jurisdiction eligibility, our compliance and support team is available through the channels below. We aim to acknowledge all legal and policy queries within one business day.

Team online

Email Compliance

Send your data request, account query or policy concern to our compliance address. We aim to respond within 24 hours on business days and provide written confirmation of every request we receive.

Live Chat Policy Support

Connect with a support agent through our live chat window for immediate clarification on terms, account access conditions or jurisdiction-specific questions. Available daily during extended support hours.

Help Centre Document Portal

Browse our structured help documents covering account terms, payment policies for UPI and Paytm, data retention schedules and how to submit a formal dispute or correction request.

SECURITY AND ACCOUNTABILITY

How x00td Handles Your Account and Data

We operate a layered approach to account security and data stewardship, ensuring every piece of information tied to your account is handled with verifiable controls.

Encrypted Data Storage

All account data — including payment method details for UPI and Paytm — is encrypted at rest using current-standard protocols.

Cookie Transparency

We use session cookies to maintain your login state and analytics cookies to understand how our lobby performs.

Account Access Controls

Two-factor authentication is available on every account and we prompt a re-verification step whenever a new device or IP location…

Data Retention Schedule

Transaction records linked to UPI, PhonePe and Paytm deposits are retained for the period required under applicable financial compliance rules.

Who to Contact for Changes

To request a correction to your personal data, update your registered contact details or ask for a summary of the…

Dispute and Appeal Path

If you believe a policy decision affecting your account was made in error, you may raise a formal appeal in…

Legal Questions We Hear Most Often

Below are the questions about our legal terms and account policies that come up most frequently. If your question is not answered here, the contact paths in the support section above connect you directly with our compliance team.

Access to x00td depends on local law and is available where local law permits. Rules vary by state in India, so whether you can hold an account is determined by the legislation applicable in your specific territory.

We collect the information needed to verify your identity, process transactions via UPI, Paytm or PhonePe, and maintain account security. This includes name, contact details, date of birth and payment method identifiers as required for compliance.

Transaction records are kept for the period mandated by applicable financial law, typically several years. After that period, data is anonymised or deleted on a rolling quarterly schedule, and you can request a timeline specific to your account.

Yes. Send a written request to our compliance email address and we will compile a summary of the personal data held on your account. We aim to fulfil data access requests within seven business days of receiving your message.

Contact us through live chat or the compliance email listed in the support section. Provide the specific details that need correcting and we will verify the change against your identity documents before updating the record.

Payment identifiers linked to UPI and Paytm transactions are stored in an isolated, encrypted environment separate from your profile data. Raw account credentials for those payment rails are never stored — only the reference tokens needed for transaction reconciliation.

Submit your dispute in writing via the compliance email channel. Include your account reference and a clear description of the decision you are appealing. Our team reviews all submissions independently and responds within five business days.

Your Rights and Our Policy Commitments

Reach Us About Any Policy Matter

Email Compliance

Live Chat Policy Support

Help Centre Document Portal

How x00td Handles Your Account and Data

Encrypted Data Storage

Cookie Transparency

Account Access Controls

Data Retention Schedule

Who to Contact for Changes

Dispute and Appeal Path

Legal Questions We Hear Most Often

01 Does x00td operate legally for users in India?

02 What personal data does x00td collect when I open an account?

03 How long does x00td keep my account and transaction data?

04 Can I request a copy of the data x00td holds about me?

05 How do I ask x00td to correct inaccurate information on my account?

06 What happens to my UPI and Paytm payment data?

07 How do I raise a formal dispute about a policy decision on my account?

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