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How n02 Handles Your Personal Data

At n02, we are transparent about every piece of personal data we collect from your account — from the moment you register to every UPI or PhonePe transaction…

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n02 How n02 Handles Your Personal Data
PRIVACY CONTACT PATHS

Reach Us About Your Privacy Rights

Privacy Email Send a written data-access or deletion request to our dedicated privacy address. We aim to acknowledge every email within 48 hours and resolve your request within 30 calendar days of receipt.
Live Chat Support Our support team is available via live chat for privacy questions about your account data, cookie settings or transaction records. Chat agents can escalate data requests directly to our compliance desk.
Postal Address For formal written requests — such as data portability or erasure under applicable Indian law — you may write to us at the registered address shown at the foot of this privacy policy page.
HOW WE PROTECT DATA

Our Data Handling Practices Explained

We use a layered approach to data security — encryption at rest, TLS in transit, and access controls that limit which internal teams can view your personal records.

Data Encryption

All personal data stored on n02 servers is encrypted at rest using industry-standard ciphers. Payment credentials for UPI and Paytm are never stored in plain text — only tokenised references reach our database.

Cookie Controls

We use session cookies to keep you logged in, analytics cookies to understand how pages perform, and no third-party advertising cookies without your explicit consent. You can adjust cookie preferences from the account settings panel.

Account Security

Two-factor verification is available for all accounts. Failed login attempts beyond the threshold trigger a temporary lock and an alert to your registered mobile number, ensuring only you can access your account.

Data Retention

We retain transaction records, including PhonePe and Paytm payment logs, for the period required by applicable Indian financial regulations. Account data is deleted within 90 days of a confirmed account closure request.

Your Data Rights

You have the right to request a copy of the personal data we hold about you, correct inaccuracies, and ask us to erase data where no legal obligation requires us to keep it. Requests are handled within 30 days.

Third-Party Sharing

We share data only with payment processors (UPI networks, Paytm, PhonePe), identity-verification services, and fraud-prevention partners — each under a data-processing agreement that mirrors our own privacy standards.

Common Questions About Your Privacy at n02

If something about our data practices is still unclear after reading this policy, the answers below address the questions we receive most often. Where local law grants additional rights, those rights apply in full alongside everything described here.

We collect your name, email address, mobile number, date of birth and, where identity verification is required by applicable Indian law, a copy of a government-issued ID. Technical data such as IP address and device type is also logged automatically.

Payment details passed through UPI, Paytm or PhonePe are handled by the respective payment processor. We receive only a tokenised transaction reference — your full account number or UPI ID is never stored on n02 servers.

Yes. Submit a data-access request by email to our privacy address. We will compile and send you a structured copy of your personal data within 30 calendar days, covering account records, transaction logs and communication history.

Send a deletion request to our privacy email or via live chat. We will erase data that is no longer required for legal or regulatory purposes within 30 days and confirm in writing once the deletion is complete.

No. We do not sell or rent your personal data to third parties for their marketing activities. Data is shared only with processors needed to operate your account — payment rails, fraud-prevention tools and identity-verification services.

Transaction records are retained for the period required under applicable Indian financial regulations. If you close your account, personal data not subject to a legal retention obligation is deleted within 90 days of the closure request.

Contact our privacy team directly by email or live chat. If you are not satisfied with our response, you may escalate your complaint to the relevant data-protection authority under applicable Indian law, where such authority has jurisdiction.

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