Reference

Your Agreement with xm360

Q: How do I request a copy of my personal data?

Email support@xm360.co with the subject line 'Data Access Request' from the address registered to your account. We will verify your identity and deliver a full data export within 30 days, covering all records we hold on your account.

Q: How do I formally dispute a decision made under these terms?

Send a written dispute to support@xm360.co with your account ID and the specific clause you believe was misapplied. Our compliance team will acknowledge within 48 hours and issue a formal response within 14 business days.

These terms and conditions set out the rules that govern your account on xm360.

India-applicable termsUPI & Paytm deposits coveredAccount-holder rightsJurisdiction-specific accessEffective on registration

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What These Terms Actually Cover

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

These terms apply to every action taken on your xm360 account — from the moment you complete registration through every deposit, withdrawal and session. We cover eligibility (subject to local Indian law), account conduct, fund handling via UPI, Paytm and PhonePe, and the limits of our

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liability. They also address intellectual property: all content on xm360.co is our property and may not be copied or redistributed. We reserve the right to suspend or close accounts that breach these terms, and we will notify you by the email address on your account before
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taking any such action where circumstances allow. Any disputes arising from account use are subject to the jurisdiction stated in the applicable law clause.

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

TERMS CONTACT

Reach Us About These Terms

If any clause in these terms is unclear, or if you need to raise a concern about how they have been applied to your account, our support team is available around the…

Live Chat Start a live chat session directly from your xm360 account dashboard. Our agents can clarify any clause, walk through account status, or escalate a formal terms dispute on your behalf.

Email Support Write to our terms and compliance team at [email protected] for detailed queries. We respond within 24 hours and keep a written record of every exchange for your reference.

Help Centre Our Help Centre at xm360.co/help contains the full terms document, recent amendments, and plain-language summaries of each clause so you can find answers without waiting for an agent.

ACCOUNT SECURITY

How We Handle Your Data and Account

xm360 applies consistent security and data practices across every account. Below are the six areas we take most seriously — from how long we keep your records to what you can ask…

Data Retention

We keep your account records, transaction logs and identity documents for the period required under applicable Indian law. After that window closes, data is deleted from our active systems on a rolling schedule unless a dispute is pending.

Cookie Policy

xm360.co uses session cookies for login state and analytics cookies to understand page usage. You can manage cookie preferences from your browser settings; disabling analytics cookies does not affect account functionality.

Account Security

Each account is protected by password hashing and optional two-factor authentication. We never store raw card or UPI details — payment tokens are handled by our payment processor and never sit on our servers.

Access Requests

You have the right to request a copy of the personal data we hold on your account. Submit the request via email to [email protected] and we will respond within 30 days with a full data export.

Correction and Deletion

If any data we hold about you is inaccurate, contact our support team and we will correct it within 14 days. Deletion requests are processed subject to our legal retention obligations under applicable Indian regulations.

Terms Amendments

When we update these terms, we email the registered address on your account at least seven days before the changes take effect. Continued use of xm360 after the notice period counts as acceptance of the revised terms.

Common Questions About Our Terms

These questions cover the clauses our account holders ask about most. If yours is not listed here, reach out via live chat or email and we will respond with the relevant section of the terms document.

These terms apply to any person who registers or uses an account on xm360.co. Access is subject to local law and is available only where your jurisdiction in India permits such use. You confirm eligibility when you complete registration.

Yes, we may update the terms at any time. We will email you at least seven days before changes take effect. If you do not agree with the revised terms, you should close your account before the effective date to avoid being bound by the new clauses.

If we suspend your account for a terms breach, we will notify you by email and outline the reason. Any cleared, non-disputed balance remains accessible subject to the outcome of the review. We do not forfeit funds without documented cause.

Email [email protected] with the subject line 'Data Access Request' from the address registered to your account. We will verify your identity and deliver a full data export within 30 days, covering all records we hold on your account.

No. UPI, Paytm and PhonePe transactions are processed via our payment processor using tokenisation. Raw payment credentials never pass through or sit on xm360 servers, so a breach of our systems cannot expose your banking details.

All text, images and software on xm360.co are our property. You may browse and use the site as an account holder, but you may not copy, redistribute or commercially exploit any content without our written permission.

Send a written dispute to [email protected] with your account ID and the specific clause you believe was misapplied. Our compliance team will acknowledge within 48 hours and issue a formal response within 14 business days.

Your Agreement with xm360

Reach Us About These Terms

How We Handle Your Data and Account

Data Retention

Cookie Policy

Account Security

Access Requests

Correction and Deletion

Terms Amendments

Common Questions About Our Terms

01 Who do these terms apply to?

02 Can xm360 change the terms after I have registered?

03 What happens to my account funds if my account is suspended?

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

05 Are my UPI and Paytm details stored on xm360 servers?

06 What does the intellectual property clause mean for me?

07 How do I formally dispute a decision made under these terms?

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