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Explore the Terms That Govern Your o11 Account

These terms and conditions set out the rules that apply when you open and use your o11 account, including how deposits via UPI, Paytm and PhonePe are handled…

Governed by applicable lawUPI, Paytm, PhonePe deposits coveredAccount security obligations outlinedWithdrawal verification rules includedDispute resolution process defined

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Browse the Core Terms Binding Your Account

o11 Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

By completing account registration on o11, you confirm that you have read, understood and accepted every clause within these terms and conditions. We reserve the right to update these terms at any time; continued use of your account after a published change constitutes acceptance of the

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revised terms. All payment activity — whether you deposit through UPI, Paytm or PhonePe — is subject to the transaction rules stated here. Eligibility to hold an account depends on your local law, and it is your responsibility to confirm that participation is permitted in your
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jurisdiction before depositing funds or accessing any feature of the platform.

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

REACH OUR TERMS TEAM

Get Answers on Policy Queries Directly

If any clause in these terms and conditions is unclear, or if you need a written explanation of how a specific rule applies to your account, our support team can help across three channels. Responses to terms-related queries are prioritised and usually answered within one business hour during staffed periods.

Team online

Live Chat

Start a live-chat session from any page on o11 to ask about a specific clause, your account status, or how a withdrawal rule applies to your current balance. Available around the clock.

Email Support

Send a detailed terms-related query to our support address and receive a written response you can keep for your records. We aim to reply within four hours on business days.

Help Centre

Our Help Centre hosts plain-language summaries of the most-asked terms questions, covering deposit rules, account suspension criteria and the withdrawal verification sequence.

HOW WE UPHOLD THESE TERMS

See How o11 Manages Policy Across Your Account

We handle your account data, payment records and activity logs in line with the obligations stated in these terms and conditions.

Data Handling

We collect only the data necessary to operate your account — identity verification details, transaction records and session logs. No data is shared with third parties outside the scope stated in these terms.

Cookie Use

Our platform uses cookies to maintain your login session, remember your preferred deposit method — UPI, Paytm or PhonePe — and monitor for unusual access patterns that may indicate unauthorised use.

Account Security

You are responsible for keeping your login credentials private. We use two-factor verification during withdrawal initiation and flag any login from an unrecognised device for manual review before funds move.

Record Retention

Transaction and account records are retained for the period required by applicable law. You may request a copy of your own records by contacting support, and we will provide them in a structured format within seven business days.

Requesting Changes

To update personal details — name, registered mobile number or linked UPI handle — submit a verified request through live chat or email. Changes take effect after identity confirmation and are logged with a timestamp.

Terms Dispute Contact

If you believe a term has been applied incorrectly to your account, raise a formal dispute via email. We review each case against the version of the terms in force on the date of the transaction in question.

Check the Most-Asked Terms Questions

The questions below cover the clauses account holders ask about most frequently — from how updates to these terms are communicated, to what happens when a withdrawal request is placed on hold for verification.

Updated terms take effect on the date published on this page. We notify you by email or in-platform message. Continuing to use your account after that date means you accept the revised version in full.

A breach may result in temporary suspension or permanent closure of your account, depending on severity. We will notify you of the specific clause involved and allow you to respond before a final decision is made.

Yes. Every deposit method — UPI, Paytm, PhonePe and Google Pay — is subject to the same transaction rules in these terms. No payment rail receives different treatment under the agreement.

Contact support via email or live chat with your registered account details. We will compile your transaction history, session logs and identity records and return them in a readable format within seven business days.

You may request account closure at any time through live chat or email. Data required by law must be retained for the statutory period; remaining personal records are deleted once that obligation has been met.

Withdrawals above a certain threshold, or those initiated from a new device, trigger an identity check described in these terms. Once you confirm your identity through the verification step, the funds are released to your linked UPI or Paytm account.

Applicable law depends on your jurisdiction. Access to o11 and the enforceability of these terms are subject to local law. It is your responsibility to confirm that use of the platform is permitted where you are located.

Explore the Terms That Govern Your o11 Account

Get Answers on Policy Queries Directly

Live Chat

Email Support

Help Centre

See How o11 Manages Policy Across Your Account

Data Handling

Cookie Use

Account Security

Record Retention

Requesting Changes

Terms Dispute Contact

Check the Most-Asked Terms Questions

01 When do changes to these terms and conditions take effect?

02 What happens if I breach a clause in the terms?

03 Do these terms apply to deposits made through UPI, Paytm and PhonePe equally?

04 How do I request a copy of my personal data held by o11?

05 Can I close my account and have my data deleted?

06 Why might a withdrawal be held for verification under these terms?

07 Which law governs these terms and conditions?

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