Reference

Terms and conditions for Indian accounts

These terms explain how your account works, what you agree to when you open it, and how access is handled where local law permits.

India accountsLocal law appliesAccount accuracyUPI, Paytm, PhonePe

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How these terms work in practice

zovi24 Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

These terms apply once you accept them and continue to apply until the account is closed or the text is replaced. Access depends on local law and is available where local law permits, so your ability to use the account always sits within the rules that

1
apply to your location. We may ask for a correct name, contact number, payment reference, or other matching detail before deposits, withdrawals, or changes to the account are accepted. That helps us confirm ownership, settle disputes, and keep the record consistent. If a clause is updated,
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the new text applies from the time we publish it on the page, and continued use means you have read the change. UPI, Paytm, and PhonePe activity may be checked against the account record when we verify identity or process a request.

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

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Where to raise a clause query

If a clause feels unclear, use the contact path that matches the kind of request you have.

RECORDS SAFE

How records and access are handled

We keep only the records needed to run the account, answer your requests, and meet legal or tax duties that apply in India.

Data use

We collect the details needed to open and maintain your account, confirm payments, and answer disputes. That includes your name, contact details, login activity, and payment references, and we keep them only for the purpose they were collected for.

Cookies

Cookies remember your session, language choice, and whether you accepted a clause prompt. They help the page load with the same settings next time, but they do not replace your password or let anyone bypass account checks.

Account safety

You keep control of your password, phone number, and device access. If we detect a change in login pattern, we may pause the session and ask for a fresh verification before restoring access.

Retention

We retain records for the time needed to settle disputes, complete checks, and meet tax or legal duties that apply in India. After that period, we delete or anonymise what the law no longer requires.

Change request

If you want a correction, write from your registered email, name the clause, and explain what needs to change. We will compare the request with our records before making an update.

Contact path

For any dispute about a term, send a clear message through email or the form listed in support. We answer after we match the account details and check the relevant record.

Common questions about these terms

These answers cover the parts most often asked about acceptance, changes, record keeping, and account access. They are written for India, but local law still decides what we can offer where you live. If your question changes the way your account is used, send the request through the contact path below and keep the subject line specific so we can check the right record.

They apply the moment you accept them and stay in force while your account is open. If we publish a change, the updated text applies from that point onward unless local law says otherwise.

Access depends on local law and is available where local law permits. If your location is not eligible under the rules that apply there, the account or a specific service may stay closed.

We use checks to match the account name, contact details, and payment references before we process a request. That helps reduce errors, confirm ownership, and keep withdrawals or corrections tied to the right record.

Write from your registered email, name the exact field, and include the corrected value. We compare the request with our records, ask for proof if needed, and update the account only after verification.

Send a clear message through the support path listed on this page and say which clause you want explained. We will answer using the record we hold and, if needed, point you to the change process.

We keep records only as long as needed for account control, disputes, legal duties, and tax checks that apply in India. After that, we delete or anonymise them under our retention process.

Terms and conditions for Indian accounts

Where to raise a clause query

How records and access are handled

Data use

Cookies

Account safety

Retention

Change request

Contact path

Common questions about these terms

01 When do these terms apply to me?

02 Can I access the account everywhere in India?

03 Why do you ask for payment and identity checks?

04 How can I ask for a correction to my details?

05 What happens if I disagree with a clause?

06 How long do you keep my records?

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