Reference

Terms and Conditions That Govern Your p2o5 Account

These Terms and Conditions set out the rules that apply when you open an account on p2o5.

Applies to all account holdersCovers UPI, Paytm, PhonePe transactionsAvailable where local law permitsUpdated as our services change

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Where These Terms Apply and Who They Cover

p2o5 Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

These Terms apply to every person who registers an account on p2o5.co and accesses the platform from a region where doing so is permitted under local law. Eligibility is determined entirely by the laws of your jurisdiction — if local law does not permit access, you

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must not use this service. All financial transactions on your account, including deposits made via UPI, Paytm, or PhonePe and any resulting withdrawals, are subject to these Terms. By completing a deposit, you confirm that you have read and accepted every clause here. p2o5 may update
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these Terms at any time; the version published on this page at the time of your session is the binding version. We recommend checking back periodically so you are always aware of what governs your account.

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

TERMS CONTACT PATHS

How to Reach Us About These Terms

Team online

Email Support

Send your Terms-related questions, account disputes, or clause-clarification requests to our support email. We aim to respond within 24 hours on working days, with a detailed written reply.

Live Chat

Use the in-platform live chat to ask about specific clauses, account restrictions, or how a particular policy applies to your situation. Chat agents are available during standard support hours.

Help Centre

Our Help Centre hosts the most current version of every policy document. Search by topic — account rules, payment terms, or dispute process — to find the relevant clause quickly.

HOW WE HANDLE THIS POLICY

Data, Security and Account Practices Under These Terms

These six practices define how p2o5 manages your account data, verifies your identity, and keeps your information secure in line with the Terms you accept at registration.

Account Data Retention

We retain your account data for as long as your account remains active and for a legally required period after closure. You may request a summary of stored data by contacting support with your registered email.

Cookie Handling

Our platform uses session and preference cookies to keep your lobby state intact between visits. You can manage cookie preferences in your browser settings; disabling certain cookies may affect how the lobby loads.

Account Security

Your password is hashed and never stored in plain text. We use two-factor prompts for withdrawals above specified thresholds, and suspicious login attempts trigger an automatic account hold pending your confirmation.

Identity Verification

Before processing a withdrawal, we verify your identity against the documents submitted at registration. This step protects your funds and ensures the account belongs to you — it is required, not optional.

Requesting Account Changes

To update your registered mobile number, linked UPI handle, or email address, submit a request through the Account Settings page or contact support. Changes take effect after identity verification is complete.

Dispute and Escalation Contact

If you believe a clause has been applied incorrectly to your account, email our disputes team with your account ID and the specific transaction or restriction in question. We review and respond within 72 hours.

Frequently Asked Questions About These Terms

Answers to the questions we hear most often about how these Terms work, what rights you hold as an account holder, and how to get changes made.

Yes. Every financial transaction on your account — including deposits and withdrawals via UPI, Paytm, and PhonePe — falls under the payment clause in these Terms. Processing rules and timelines are set out there.

We may update Terms at any time, and the version live on this page at the time of your session is binding. We recommend checking this page before each session so no clause change catches you off guard.

Access depends entirely on local law in your state or region. It is your responsibility to confirm that using p2o5 is permitted where you are located. We make no representation about legality in any specific jurisdiction.

After account closure, we retain your data for the period required by applicable law. You may request a copy of what we hold by contacting support with your registered email and account ID.

Email our disputes team with your account ID, the date of the relevant transaction or restriction, and the clause you believe was misapplied. We respond with a written decision within 72 hours on working days.

Eligibility is governed by local law in your jurisdiction. These Terms require that you confirm you meet all local legal requirements before registering. Accounts found to violate eligibility rules are closed immediately.

Yes. Submit a change request through Account Settings or contact support directly. Updating your linked UPI handle, Paytm number, or PhonePe details requires identity verification before changes take effect on your account.

Terms and Conditions That Govern Your p2o5 Account

How to Reach Us About These Terms

Email Support

Live Chat

Help Centre

Data, Security and Account Practices Under These Terms

Account Data Retention

Cookie Handling

Account Security

Identity Verification

Requesting Account Changes

Dispute and Escalation Contact

Frequently Asked Questions About These Terms

01 Do these Terms apply to deposits made via PhonePe and Paytm?

02 Can p2o5 change these Terms without telling me?

03 How do I know if access is permitted in my region of India?

04 What happens to my account data if I close my account?

05 How do I dispute a decision made under these Terms?

06 Are there age or eligibility requirements covered in these Terms?

07 Can I request changes to my registered payment details?

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