Reference

Our Legal Terms and Your Rights

365gold operates under a defined legal framework that governs how your account, personal data and transactions are managed.

Jurisdiction-Dependent AccessData Retention PolicyAccount Ownership TermsUPI & Paytm Transaction RulesDispute Resolution Process

Explore the lobby Read FAQ

How Our Legal Policy Works in India

365gold Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

Access to 365gold is subject to the laws of the jurisdiction in which you reside. Where local law in India permits, you may open an account and transact using UPI, Paytm or PhonePe. Our legal terms govern all such activity, including deposits, withdrawals, account closures and

1
data requests. We retain transaction records in accordance with applicable regulations, and your payment history — including UPI reference numbers and Paytm wallet logs — is stored securely for the period required by law. Any dispute arising from account activity is handled through our internal resolution
2
process first, followed by the applicable legal forum in your region. We do not share personal or financial data with third parties beyond what is required for payment processing via UPI, Paytm and PhonePe rails. You are entitled to request a copy of your data at
3
any time through our support channel.

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

LEGAL CONTACT PATHS

Reach Our Legal and Compliance Team

If you have a query about your rights, a data request or a dispute regarding your account, our support team handles legal enquiries through three dedicated channels.

Email — Legal Enquiries Send your legal query, data access request or account dispute to our dedicated legal email address. Include your registered account ID and a clear description of the matter so we can respond accurately and promptly.

Live Chat — Account Issues For time-sensitive account-related legal matters, our live chat connects you to a support agent who can escalate your case to the legal team immediately, with a written transcript sent to your registered email.

Postal Address — Formal Notices Formal legal notices, including demand letters or regulatory correspondence, should be sent to our registered postal address. We acknowledge all formal notices in writing within the legally required response window.

HOW WE HANDLE THIS

Data, Security and Account Rights at 365gold

Every element of our legal approach — from cookies to account security — is built around documented processes.

Data Handling

We collect only the data required to operate your account and process payments via UPI, Paytm and PhonePe. No data is sold to marketing third parties. Retention periods follow applicable Indian law and are clearly stated in our privacy notice.

Cookie Policy

Cookies on 365gold are used for session management, fraud detection and performance analytics. You may adjust non-essential cookie preferences through the settings panel on this site; essential cookies cannot be disabled without affecting account functionality.

Account Security

Your account is protected by two-factor authentication and encrypted session tokens. Any suspicious login from an unrecognised device triggers an automatic alert to your registered mobile number or email before access is granted.

Data Retention

Transaction logs, KYC documents and account activity records are retained for the period mandated by applicable regulations. Once that period lapses, data is securely deleted or anonymised in line with our documented data lifecycle policy.

Contact for Rights Requests

To request access to, correction of or deletion of your personal data, contact our legal team via the dedicated email channel. We will verify your identity against your registered account before processing any data rights request.

Requesting Account Changes

Changes to account details — including registered mobile number, linked UPI ID or Paytm wallet — must be requested through support with identity verification. Changes take effect after a mandatory security review period of up to 48 hours.

Frequently Asked Legal Questions

Below are the questions we receive most often about our legal terms, your data rights and how disputes are handled. If your question is not covered here, reach our legal team directly through the support channels listed above.

Access to 365gold depends on whether local law in your state or territory within India permits it. We recommend checking the applicable regulations in your area before opening an account, as eligibility varies by jurisdiction.

We collect your name, registered mobile number, email address, KYC documents and payment method details — including UPI IDs, Paytm wallet references and PhonePe links — solely to verify identity and process transactions in line with applicable law.

After your account is closed, we retain transaction records and KYC documents for the period required by applicable Indian regulations. Once that period ends, data is securely deleted or anonymised following our documented data lifecycle process.

Send a written request to our legal email address with your registered account ID and a copy of your identity document. We process verified data access requests within 14 working days and deliver the data in a portable, readable format.

Submit the disputed transaction reference — including the UPI or Paytm reference number — via our live chat or legal email. Our team reviews the ledger entry, contacts the relevant payment rail if needed, and responds with findings within 7 working days.

Yes. Submit a deletion request through our legal email channel with identity verification. We will close your account and begin the deletion process, retaining only records that applicable law requires us to keep for the mandated period.

Non-essential cookies — used for analytics and personalisation — can be disabled through our cookie settings panel without losing account access. Essential cookies that manage your login session and fraud checks cannot be turned off while you remain logged in.

Our Legal Terms and Your Rights

Reach Our Legal and Compliance Team

Data, Security and Account Rights at 365gold

Data Handling

Cookie Policy

Account Security

Data Retention

Contact for Rights Requests

Requesting Account Changes

Frequently Asked Legal Questions

01 Who can legally access 365gold in India?

02 What data does 365gold collect when I open an account?

03 How long is my personal data retained after account closure?

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

05 What happens if I dispute a transaction on my account?

06 Can I request deletion of my account and all associated data?

07 How do cookie settings affect my account experience?

Related Pages