Reference

Terms and Conditions That Govern Your 0ja92 Account

Before you open an account on 0ja92.co, these Terms and Conditions form the binding agreement between you and us — covering everything from how your account is created…

Applies to all account holders in IndiaCovers deposits, withdrawals and account conductGoverned by the jurisdiction you register fromSubject to change with prior notice via email
0ja92 Terms and Conditions That Govern Your 0ja92 Account
TERMS CONTACT PATHS

Reach Us With Any Terms-Related Question

If any clause in these Terms and Conditions is unclear, or if you believe your account has been actioned in error, our compliance and support teams are available to respond.

Email Support Write to our compliance desk at [email protected] with your account ID, the clause in question, and a short description of your concern. We aim to respond within one business day.
Live Chat Our in-platform chat connects you with a terms and account specialist during operating hours. Start a chat session from within your logged-in account dashboard for the fastest response.
Formal Written Notice For disputes requiring a formal record, submit a written notice through our contact form. We acknowledge all formal notices within 48 hours and escalate to our legal team where required.
HOW WE HANDLE YOUR ACCOUNT

Data, Security and Account Rights Under These Terms

Our Terms and Conditions are not just legal text — they define how your data is held, how long we keep records, and how you can request changes to your account.

Data Handling

We collect only the account data needed to verify identity and process transactions via UPI, Paytm, and PhonePe. No data is sold to third parties. Your information is held on encrypted servers and accessed only by authorised staff.

Cookie Policy

We use session cookies to keep you logged in and preference cookies to remember your lobby settings. You can manage cookie permissions from your browser at any time without affecting your ability to use core account functions.

Account Security

Your account is protected by password authentication and optional two-factor verification. If you suspect unauthorised access, contact us immediately via live chat — we can lock your account within minutes of receiving your message.

Record Retention

We retain transaction and account records for the period required under applicable law in your jurisdiction. After that retention window closes, personal data is anonymised or deleted unless an active dispute requires us to hold it longer.

Requesting Changes

You may request a correction to your registered details by emailing [email protected] with supporting documentation. Identity-linked fields such as name and date of birth require verified documents before any change is processed.

Who to Contact

For all terms-related queries — from clause interpretation to account closure requests — our compliance team is the first point of contact. Escalation to a senior legal officer is available for unresolved disputes after the initial response period.

Answers to Common Questions About Our Terms

These answers cover the clauses and situations our account holders ask about most often. If your question is not addressed here, contact the compliance desk directly with your account ID and we will provide a written response.

They take effect the moment you tick the acceptance box during registration and are reinforced each time you log in. Continued use of your account means you agree to the version of the terms current at that time.

We may update these terms and will notify you by email to your registered address before changes take effect. If you do not agree with an update, you may close your account before the effective date of the new version.

Access to our platform and the applicability of these terms depend on local law in your state or territory. It is your responsibility to confirm that using our platform is permitted where you reside before opening an account.

A breach may result in a warning, suspension, or permanent closure of your account at our discretion. Any balance held at the time of closure will be handled according to our withdrawal policy and applicable jurisdiction rules.

All deposit and withdrawal activity via UPI, Paytm, and PhonePe is governed by these terms, including transaction limits, processing times, and conduct requirements. Third-party payment provider terms also apply alongside ours.

Email [email protected] with the subject line 'Data Request' and include your registered account ID. We will compile and send your account data within the timeframe required by applicable law in your jurisdiction.

Raise a formal dispute via our contact form within 30 days of the decision. We review all formal disputes and provide a written outcome. If unresolved internally, you may seek resolution through the applicable legal forum in your jurisdiction.