Reference

Your Rights and Our Commitments at o87

At o87, our legal terms exist to give you a clear picture of how your account, your data, and your activity on our platform are handled.

Account TermsData & PrivacyJurisdiction NoticeCookie PolicyContact Rights

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How Our Legal Terms Apply in India

o87 Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

Access to o87 and the validity of these terms depend on the laws of your local jurisdiction. Where local law permits, these terms govern your use of the platform, your account data, and any transactions processed through UPI, Paytm, or PhonePe. We apply Indian consumer-protection principles

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to account management, including your right to request corrections to stored data and to close your account at any time. Payment records linked to UPI, Paytm, and PhonePe transactions are retained as required by applicable financial-compliance rules. If a provision in these terms conflicts with a
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mandatory rule under Indian law, the Indian rule prevails. We update these terms when our practices or applicable law changes, and we notify you via your registered contact before material updates take effect.

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

LEGAL CONTACT CHANNELS

Reach Our Legal and Compliance Team

If you have a question about these terms, wish to exercise a data right, or need to escalate a policy concern, our team is reachable through the channels below.

Email Support Send your legal query or data-access request to our dedicated compliance address. Include your account ID and a brief description so we can route your message to the right team member without delay.

Live Chat Reach our support team directly through the chat window inside your account. For legal queries, select the 'Account & Policy' topic so your message is flagged for the compliance team rather than general support.

Postal Notice For formal legal correspondence or written data-erasure requests, you may send a signed letter to our registered correspondence address. We acknowledge receipt within five business days and respond in full within thirty.

POLICY HANDLING STANDARDS

How o87 Manages Data, Cookies and Account Security

We handle your personal data according to the practices described here, and each card below covers a specific area so you always know where to look when you have a question about…

Data Handling

We collect only the data needed to operate your account — name, contact details, payment identifiers for UPI or Paytm, and activity logs. We do not sell this data to third parties, and we store it on servers with encryption at rest.

Cookie Use

Our site uses strictly necessary cookies to keep your session active and preference cookies to remember your language and region settings. Analytics cookies run only with your consent, which you can withdraw from the cookie banner at any time.

Account Security

We protect your account with hashed password storage, two-factor authentication options, and session-timeout controls. Any suspicious login attempt triggers an automated alert to your registered email or phone number.

Data Retention

Account data is kept for the period required by applicable Indian financial and tax regulations. When that period expires, personal data is deleted or anonymised unless you have an active open dispute or we are under a legal-hold obligation.

Your Access Rights

You may request a copy of the personal data we hold about you at any time. Submit your request via email or live chat, and we will provide a structured export of your account data within thirty calendar days of verification.

Change Requests

If any stored detail is inaccurate — for example a phone number linked to your PhonePe wallet — contact us and we will update the record within five business days. Corrections to payment identifiers may require re-verification for security reasons.

Frequently Asked Policy Questions

The questions below cover the situations we hear about most often from people reviewing our legal terms. If your question is not addressed here, contact our compliance team directly through the channels listed above.

Access to o87 and the terms that apply to your account depend on local law. Where use is permitted under Indian law, Indian consumer-protection and financial regulations apply to how we handle your account and any disputes that arise.

We store your name, email address, phone number, and the payment identifiers connected to UPI, Paytm, or PhonePe. We also retain session logs and transaction records for the period required by applicable financial regulations.

Yes. Submit a data-access request via email or live chat, quoting your account ID. We verify your identity and send a structured export of your stored personal data within thirty calendar days of the verified request.

Contact our compliance team by email or live chat, describe the record you want corrected or removed, and we will act within five business days. Payment-linked identifiers such as your Paytm number require a re-verification step before any change is applied.

We use session cookies (strictly necessary), preference cookies for region and language, and optional analytics cookies. You can withdraw consent for non-essential cookies at any time through the cookie-preference panel accessible from the footer of every page.

We notify you by email or in-app message before any material change to these terms takes effect. Minor clarifications that do not affect your rights are updated silently, but the revision date at the top of the terms page is always updated to reflect the change.

Formal written correspondence, including data-erasure demands and legal notices, should be sent to our registered postal address. We acknowledge receipt within five business days and provide a full written response within thirty calendar days of receipt.

Your Rights and Our Commitments at o87

Reach Our Legal and Compliance Team

How o87 Manages Data, Cookies and Account Security

Data Handling

Cookie Use

Account Security

Data Retention

Your Access Rights

Change Requests

Frequently Asked Policy Questions

01 Does Indian law govern my account at o87?

02 What personal data does o87 store when I open an account?

03 Can I request a copy of all data o87 holds on me?

04 How do I ask o87 to correct or delete my personal data?

05 What cookies does o87 use and how can I control them?

06 How will I know if o87 updates these legal terms?

07 Where do I send a formal legal notice or written dispute to o87?

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