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Your Rights and Our Legal Commitments

At xm360, the legal terms that govern your account are written to be clear and actionable — not buried in fine print.

Jurisdiction-aware termsAccount data rightsDispute resolution pathsCookie and tracking policyContact for legal requests

What These Terms Cover for Your Account

xm360 Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

These terms apply to every account opened on xm360.co and govern how we collect, store and process data tied to your activity. Account eligibility depends on local law and is available where local law permits — if your jurisdiction restricts access, these terms explain how we

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respond to that. We retain account records in line with applicable Indian data protection norms, and we do not sell personal data to third-party marketers. Transactions processed via UPI, Paytm or PhonePe are logged against your account ID for verification and dispute purposes. You may request
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a copy of your stored data, ask for corrections, or raise a deletion request through our legal contact channel. Any change to these terms is communicated via the registered email on your account before the change takes effect.

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

LEGAL CONTACT PATHS

How to Reach Us on Legal Matters

If you need to raise a formal legal query, request your data, or dispute a term, use one of the direct channels below.

Legal Email Send formal data requests, term disputes or account-related legal notices to our dedicated legal inbox at xm360.co. We acknowledge receipt within 48 hours and respond in full within the statutory window under applicable law.

Live Chat Our support agents on live chat can log a legal or policy query and escalate it to the compliance team on your behalf. Available daily; response timelines for escalated legal matters follow the same statutory window.

Account Portal Log in to your xm360 account and navigate to Settings to submit a data access or correction request directly. The portal timestamps your submission automatically and routes it to the compliance queue without requiring a separate email.

COMPLIANCE AND ACCOUNTABILITY

How xm360 Handles Data, Cookies and Account Security

We apply consistent, documented practices across data handling, cookie consent and account security so you always know what we hold and why.

Data Collection Scope

We collect only the data needed to operate your account — identity verification, payment method references (UPI, Paytm, PhonePe) and session activity. We do not collect data beyond what your account function requires, and we document every category we hold.

Cookie Policy

Cookies on xm360.co fall into three categories: essential session cookies, analytics cookies (which you may decline) and preference cookies. You can adjust consent settings at any time via the cookie banner or your browser settings without affecting core account access.

Account Security Practices

Account credentials are stored using industry-standard hashing. Login sessions are protected by token-based authentication, and we flag unusual access patterns for manual review. You can request a session audit log via the legal contact email.

Data Retention Schedule

Active account data is retained for the duration your account is open plus the minimum period required by applicable Indian financial record-keeping norms. Closed accounts have their personal data anonymised or deleted once the statutory retention window expires.

Your Right to Correct Data

If any personal data held on your account is inaccurate — name spelling, registered mobile number, payment method label — you can request a correction via the account portal or legal email. We action verified correction requests within seven working days.

Dispute and Escalation Path

If you disagree with how a term has been applied or believe a data right has been overlooked, start with our legal email. Unresolved disputes may be escalated to the relevant statutory authority in your jurisdiction under applicable local law.

Legal Questions About Your xm360 Account

The questions below cover the legal points our account holders ask about most — from data rights and cookie consent to how disputes are handled and where jurisdiction applies.

Access and account eligibility depend on local law and are available where local law permits. The terms at xm360.co are written to comply with applicable Indian data and consumer protection norms. If a specific provision conflicts with your local law, that local law takes precedence.

Submit a data access request via the account portal under Settings, or email our legal inbox directly from your registered address. We acknowledge within 48 hours and deliver the data export within the timeframe required under applicable Indian data law.

Yes. You can raise a deletion request through the legal email channel. We will remove or anonymise personal data once any statutory retention period under applicable Indian financial regulations has passed. Payment records tied to UPI, Paytm or PhonePe transactions are retained for the minimum legally required window.

We use essential, analytics and preference cookies. Essential cookies cannot be disabled as they keep your session active. Analytics and preference cookies can be declined via the cookie consent banner on xm360.co or through your browser settings at any time, with no impact on your core account access.

Contact our legal team via the dedicated email on xm360.co with the term reference and the basis for your dispute. If the matter is not resolved at that stage, you may escalate to the relevant statutory authority in your jurisdiction as permitted under applicable local law.

Transaction references for UPI, Paytm and PhonePe deposits are stored against your account ID for verification, dispute resolution and statutory record-keeping purposes. They are not shared with third-party marketers. You may request a transaction history extract via the account portal.

We notify you via the registered email on your account before any material change to our terms takes effect. The updated terms are also published at xm360.co/legal/ with a revision date. Continued use of your account after the effective date constitutes acceptance of the revised terms.

Your Rights and Our Legal Commitments

How to Reach Us on Legal Matters

How xm360 Handles Data, Cookies and Account Security

Data Collection Scope

Cookie Policy

Account Security Practices

Data Retention Schedule

Your Right to Correct Data

Dispute and Escalation Path

Legal Questions About Your xm360 Account

01 Where do xm360's legal terms apply, and what law governs them?

02 How do I request a copy of the personal data xm360 holds on my account?

03 Can I ask xm360 to delete my account data?

04 How does xm360 use cookies and can I opt out?

05 What happens if I dispute a term or a policy decision?

06 How are my UPI, Paytm and PhonePe payment records handled legally?

07 How will I know if xm360's legal terms change?

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