Reference

Terms That Govern Your 365gold Account

These terms set out the rules under which you may open and use a 365gold account, including how we process your deposits through UPI, Paytm and PhonePe, how…

Applies to all account holdersUPI, Paytm & PhonePe coveredIndia-specific eligibility rulesUpdated terms notified by emailGoverned by applicable local law
365gold Terms That Govern Your 365gold Account
TERMS CONTACT PATHS

Reach Us About Any Term or Clause

If any clause in these terms is unclear, or you need to dispute an action taken under them, our support team is reachable around the clock through three channels.

Live Chat Connect with a support agent directly from your account dashboard. Live chat is staffed at all hours and handles terms-related queries, account holds and payment disputes within minutes of your first message.
Email Support Send a detailed written query to our terms and compliance mailbox. Email suits formal disputes, term-change objections, or requests for written confirmation of a clause interpretation. We aim to reply within 24 hours.
Help Centre Our help centre hosts the current version of these terms alongside clause-specific articles. Search by keyword — for example, 'UPI withdrawal' or 'account closure' — to find the clause most relevant to your situation.
HOW WE HANDLE POLICY

Account Security, Data and Your Rights Under These Terms

365gold enforces these terms through a combination of account-level controls and human review. Below are the six areas most frequently asked about when it comes to data handling, account security, retention and…

Data Handling

We collect only the data required to operate your account — name, contact details, payment references for UPI, Paytm or PhonePe. We do not sell this data. Queries about what we hold can be raised via email support, and we respond within 30 days.

Cookie Policy

Our site uses session cookies for login continuity, preference cookies to remember your lobby view, and analytics cookies to improve page performance. You may disable non-essential cookies in your browser settings without losing account functionality.

Account Security

Your account is protected by password hashing, two-step verification at login, and automatic session expiry after inactivity. If you suspect unauthorised access, contact live chat immediately and we will freeze the account pending your identity check.

Data Retention

We retain transaction records, including UPI and PhonePe payment references, for the period required by applicable law in your jurisdiction. After that window closes, records are either anonymised or deleted in line with our internal retention schedule.

Requesting Changes

To request a correction to data we hold, submit a written request through the email support channel. We verify your identity before making any amendment, and we confirm all changes in writing within 14 days of receiving a valid request.

Term Disputes

If you believe a clause has been applied incorrectly to your account, raise the dispute via live chat first for a swift resolution. If unresolved, escalate by email with your account reference number, and we will conduct a formal review within seven working days.

Frequently Asked Questions About These Terms

These questions address the clauses that account holders ask about most. If your query is not covered here, the live chat team can locate the specific clause and explain how it applies to your account.

These terms apply to every person who opens or uses a 365gold account. Eligibility depends on local law and is available where local law permits. By creating an account, you confirm you meet the eligibility criteria in your jurisdiction.

We will notify you by email at least seven days before a change takes effect. The updated terms will be posted with a new date stamp. If you continue using your account after that date, we treat that as your acceptance of the revised terms.

Yes. Send a written objection to our email support channel with your account reference. We will review the clause in the context of your account and applicable local law, then respond in writing within 14 days with our determination.

These terms govern how your UPI, Paytm and PhonePe transactions are processed, verified and credited. Deposits that fall outside the parameters set in these terms may be held for manual review before they are applied to your account balance.

We collect the personal and payment data needed to operate your account — contact details, identity verification documents and transaction references for UPI, Paytm or PhonePe. We do not collect or sell data beyond what these terms describe.

Contact live chat or email support with your account reference and a written closure request. We process closures within five working days, settle any pending withdrawals first, and send written confirmation once the account is fully closed.

Raise the matter via live chat immediately and provide your account reference number. If the issue is not resolved there, escalate by email, and a compliance team member will conduct a formal seven-working-day review and send written findings.