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How 0ja92 Handles Your Personal Data

At 0ja92, we take the privacy of your account data seriously — from the moment you register to every transaction you make via UPI, Paytm or PhonePe.

Data You ControlSecure Storage PracticesClear Retention PeriodsEasy Contact AccessIndia-Applicable Rights
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0ja92 How 0ja92 Handles Your Personal Data
REACH OUR PRIVACY TEAM

Three Ways to Contact Us About Your Data

If you want to access, correct or delete the personal data we hold about you, our privacy team is reachable through the channels below.

Email Privacy Request Send a written request to our dedicated privacy address. Include your registered account email and a description of what you need — access, correction or deletion — so we can action it quickly and accurately.
Live Chat Support Our live chat team is available around the clock. Choose the privacy and data topic from the chat menu and you will be connected to a representative trained to handle data requests without delay.
Help Centre Ticket Log a formal ticket through the Help Centre under the Account and Privacy section. Tickets create a written record of your request and are tracked through to resolution, giving you a reference number to follow up on.
HOW WE PROTECT YOUR DATA

Our Data Handling, Cookies and Security Practices

We have built our data infrastructure to limit exposure and give you control at every stage.

Encrypted Data Storage

All personal data, including payment identifiers linked to UPI, Paytm or PhonePe, is stored using industry-standard encryption at rest. Access to stored data is restricted to authorised personnel on a need-to-know basis only.

Cookie Controls

We use strictly necessary cookies to keep your session active, and optional analytics cookies to understand how you navigate the site. You can manage or withdraw consent for optional cookies at any time through the cookie preference panel in your account settings.

Account Security Layers

Your account is protected by password hashing, session tokens that expire after inactivity, and optional two-factor authentication. Suspicious login attempts trigger an automatic alert to your registered contact address before access is granted.

Data Retention Schedule

We keep your account data for as long as your account is active and for a defined period thereafter as required by applicable law. Transaction records linked to UPI or Paytm payments are retained for the period mandated by financial regulations in your jurisdiction.

Your Right to Access and Correct

You can request a copy of the personal data we hold about you at any time. If any detail is inaccurate — name, contact number, linked payment method — you can ask us to correct it and we will action it within thirty days of receiving your request.

Requesting Deletion of Your Data

Where no legal obligation requires us to keep your data, you can ask us to delete your account and associated records. We will confirm what can be deleted immediately and what must be held for a legally required period before removal.

Your Privacy Questions Answered

The questions below cover what we are asked most often about how 0ja92 handles personal data, your rights as an account holder in India, and the steps you can take if you want to change or remove the information we hold about you.

We collect your name, email address, phone number, date of birth and the payment identifiers you use — such as your UPI ID or Paytm-linked number. We also log device type, IP address and session activity to keep your account secure.

Payment identifiers are passed to our contracted payment processors over encrypted channels. We store only a reference token, not your full credentials. We do not have direct access to your UPI PIN or PhonePe password at any point.

Yes. Submit a data-access request through live chat or the Help Centre ticket system. We will compile and send you a copy of your personal data within thirty calendar days of receiving a verified request from your registered account.

You can update some details directly in your account settings. For fields that are locked — such as your registered name or identity document number — raise a correction request via the privacy contact email and we will process it promptly.

We share data only with processors we have formally contracted, such as payment infrastructure partners and identity verification services. We do not sell your data or share it for marketing purposes with any outside party.

After account closure, we retain records for the period required by applicable financial and regulatory obligations in your jurisdiction. Data not subject to a legal hold is deleted once that retention period expires, and we will confirm the schedule on request.

Contact our privacy team directly via the email channel or Help Centre ticket. If you are not satisfied with our response, you may escalate to the relevant data-protection authority applicable in your region under current Indian law.

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