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Understand the Rules That Govern Your Account

At 3oo, our legal framework exists to protect you and to keep things transparent between us.

Account TermsPrivacy PolicyData RightsCookie NoticeJurisdiction: India

Browse the Full Scope of Our Legal Terms

3oo Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

Our terms of service apply to every interaction with 3oo — from the moment you open an account through to deposits, withdrawals and any customer support contact. Eligibility depends on local law and access is available only where local law permits. Deposits made via UPI, Paytm

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or PhonePe are processed under the same account agreement and are subject to the same verification requirements as any other transaction. We reserve the right to suspend accounts that breach these terms, and we will always notify you via your registered contact before any action is
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taken. You can download a copy of the current terms at any time from your account dashboard. If any clause conflicts with applicable Indian law, local law takes precedence.

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

REACH OUR LEGAL TEAM

Contact Us About Any Legal or Policy Matter

If you have a question about our terms, need to exercise a data right, or want to raise a formal complaint, these are the direct paths to the right team at 3oo.

Email Support Send your legal query, data access request or formal complaint to our dedicated policy inbox. We acknowledge all emails within 24 hours and aim to resolve queries within two working days.

Live Chat Start a live chat session on 3oo for general account or policy questions. Our team is available around the clock and can escalate legal matters to the relevant department on your behalf.

Help Centre The 3oo help centre contains the current versions of our terms, privacy policy and cookie notice. You can download or print any document directly from there without needing to contact us.

HOW WE PROTECT YOU

Explore How 3oo Handles Data, Cookies and Account Security

Security and transparency are built into how we operate. From the way we store your data to how cookies work on this site, every policy decision is designed so you stay informed…

Data Storage

Your personal data is stored on encrypted servers. We retain account data only as long as required by applicable law or as long as your account remains active. You can request deletion once your account is closed.

Cookie Handling

We use functional, analytical and preference cookies. On your first visit a consent banner lets you choose which categories to accept. You can update these choices any time via the cookie settings link in the footer.

Account Security

Accounts are protected by two-factor authentication and session-based login tokens that expire automatically. Any suspicious login attempt triggers an immediate email alert to your registered address.

Data Retention

Transaction records, including UPI, Paytm and PhonePe payment logs, are kept for seven years to meet financial reporting obligations under Indian law. Non-financial account data is deleted within 90 days of account closure.

Right to Access

You can request a full export of the personal data we hold on you at any time. Submit a request via the help centre or email our data team directly. We fulfil access requests within 30 days.

Requesting Changes

If any data we hold is inaccurate, you have the right to request a correction. Contact our support team with your account details and the specific data you want updated, and we will action it promptly.

Open Answers to Common Legal Questions

These are the questions we hear most often about our terms, your data and how we handle account-related legal matters. If yours is not covered here, reach out to our support team directly.

Our terms apply to anyone who opens an account with 3oo where local law permits. Eligibility is determined by your location and the laws applicable there. If local law does not permit access, these terms do not extend to you.

Log in to your account and head to the privacy section of the dashboard, or email our data team directly. We will compile and send your data export within 30 days of receiving a verified request.

Yes. Once your account is closed, you can submit a deletion request. We will erase non-financial data within 90 days. Payment records linked to UPI, Paytm or PhonePe transactions are retained for seven years under Indian financial law.

You can raise a formal dispute via email or live chat. Our legal team will review the case and respond within five working days. If you remain unsatisfied, you may escalate to the relevant regulatory body in your jurisdiction.

We use three cookie categories: functional (required to run the site), analytical (anonymous usage data) and preference (your saved settings). You can disable analytical and preference cookies at any time through the cookie settings panel in our footer.

We share data only with payment processors — such as UPI and Paytm networks — and identity verification partners, strictly to operate your account. We do not sell personal data to advertisers or any unrelated third party.

We review our terms at least once a year and whenever applicable law changes. When we update the terms, we send a notification to your registered email at least 14 days before the new version takes effect.

Understand the Rules That Govern Your Account

Contact Us About Any Legal or Policy Matter

Explore How 3oo Handles Data, Cookies and Account Security

Data Storage

Cookie Handling

Account Security

Data Retention

Right to Access

Requesting Changes

Open Answers to Common Legal Questions

01 Who does 3oo's legal framework apply to?

02 How do I request a copy of the data 3oo holds on me?

03 Can I ask 3oo to delete my personal data?

04 What happens if I disagree with a decision made on my account?

05 How does 3oo use cookies and can I turn them off?

06 Does 3oo share my data with third parties?

07 How often are the legal terms updated, and will I be notified?

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