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Explore Our Terms Before You Start

At 0mgal, we keep our legal framework straightforward so you know exactly what applies to your account, your funds and your personal data.

Account TermsPrivacy PolicyCookie UsageData RetentionUser Rights

Explore the Lobby Read FAQ

Browse the Scope of Our Legal Framework

0mgal Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

Our terms govern every interaction you have with 0mgal — from account creation and lobby access to deposit requests submitted via UPI, Paytm or PhonePe. Jurisdiction is determined by the laws applicable in your region within India, and where those laws permit participation, this agreement becomes

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binding upon account creation. We update these terms when regulatory requirements change, and we notify you at the email address linked to your account before any substantive revision takes effect. Your continued use after that notice period counts as acceptance. If you disagree with a revision,
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you can close your account and request withdrawal of your remaining balance before the new terms apply. Chip-level context: payment methods we support include UPI, Paytm and PhonePe, and the same legal framework covers transactions made via any of those rails.

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

CONTACT OUR LEGAL TEAM

Reach Us on Policy and Account Matters

If any clause in our terms is unclear, or if you want to exercise a data or account right, our support team handles legal queries seven days a week. Choose the channel that suits you and we will route your query to the right person.

Team online

Email Support

Send your legal query or data request to our dedicated address. We aim to respond within 48 hours and provide a reference number for every correspondence.

Live Chat

Our chat agents are available daily and can escalate account or policy questions to our compliance desk when a written record is needed.

Help Centre

Our policy articles cover account closure, data deletion requests and dispute filing. Search by topic and find the correct form to submit your request quickly.

HOW WE PROTECT YOUR ACCOUNT

See How 0mgal Handles Your Data and Security

We apply layered account security and a clear data-handling policy so your personal details and transaction history stay protected.

Data Encryption

All personal and payment data transmitted through our platform uses TLS encryption. We do not store raw card or UPI credential strings on our servers at any point.

Cookie Policy

We use functional and analytics cookies to keep your session active and to measure page performance. You can manage cookie preferences from your account settings at any time.

Data Retention

Account data is retained for the period required by applicable law in your jurisdiction. Once that period expires and you request deletion, we remove your personal records within 30 days.

Account Security

Two-step verification is available on all accounts. We recommend enabling it from your security settings to prevent unauthorised access to your lobby and wallet.

Your Rights

You have the right to access, correct or request deletion of your personal data. Submit a written request through the Help Centre and our team will process it within the statutory period.

Policy Contact

For formal legal notices or data protection enquiries, write to our compliance address listed in the Terms document. We acknowledge every formal notice within five business days.

Open Answers to Common Policy Questions

These answers address the questions we hear most often about account terms, data rights and how our legal framework applies to you in India where local law permits participation.

Your account is governed by the laws of the jurisdiction where you reside in India, to the extent that those laws permit participation. Our terms specify the applicable courts and dispute resolution mechanism in the full Terms document.

Submit a data access request through the Help Centre form. We will compile your account data, transaction logs and communication history and deliver them to your registered email within the statutory period, usually no longer than 30 days.

Yes. Once any mandatory legal retention period has elapsed, we will delete your personal data upon written request. Transactions linked to regulatory reporting obligations may be retained in anonymised form as required by applicable law.

We email you at your registered address before any material change takes effect. If you disagree, you may close your account and withdraw your balance before the revision date. Continued use after that date signals acceptance of the updated terms.

Payment disputes are logged against your account record with the originating transaction ID. We first attempt internal resolution within five business days. If unresolved, you may escalate through the payment provider's own dispute channel alongside our process.

Every PhonePe transfer is stored with a timestamp, amount and transaction reference on your account statement. Records are kept for the retention period required by law in your region, after which they are subject to our standard deletion schedule.

Send formal legal notices to the compliance address printed in the full Terms document available on this page. We acknowledge receipt within five business days and assign a case reference number for all subsequent correspondence.

Explore Our Terms Before You Start

Reach Us on Policy and Account Matters

Email Support

Live Chat

Help Centre

See How 0mgal Handles Your Data and Security

Data Encryption

Cookie Policy

Data Retention

Account Security

Your Rights

Policy Contact

Open Answers to Common Policy Questions

01 Which law governs my account with 0mgal?

02 How can I request a copy of my personal data?

03 Can I ask for my data to be deleted?

04 What happens to my account if the terms change?

05 How are UPI and Paytm disputes handled under your terms?

06 Are my PhonePe transactions recorded and for how long?

07 Who do I contact for a formal legal notice?

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