Reference

Legal terms for your account

This page sets out the legal terms that apply when you open an account, submit details, or move money through our rails.

Local law firstAccount recordsPayment checksWritten replies

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Where access and use apply

h0li Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.

Our legal position is simple: use is available only where local law permits, and any payment or account action can be paused if a check is needed. When a deposit or refund touches UPI, Paytm, PhonePe or Google Pay, the rail rules and your bank can

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affect timing. We may ask for identity, source, or device checks before release, and we can decline activity that does not fit our terms or a lawful request. We also keep records for tax, dispute handling, fraud checks, and audit trails, then remove or lock them
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when retention rules allow. If local law changes, the relevant rule on this page changes with it. Reading this section helps you see what we can process, what we can pause, and where to raise a legal question before you proceed.

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

REQUEST ROUTES

How to reach us

If you need help with a legal matter, we keep three routes open: a message from your account, an email from the address tied to your…

RECORD CARE

How we handle records

We keep legal handling narrow and practical. The account record stores only what we need for access control, payment checks, dispute handling, and statutory retention.

Data use

We use profile, login and payment records only for account operation, legal checks and dispute handling. Where a rule no longer requires storage, we archive or remove the record under our retention schedule.

Cookies

Cookies keep your session signed in, remember form state and help us spot unusual access. You can clear them in your browser, but some pages may ask you to sign in again.

Security checks

When a withdrawal or profile change looks unusual, we may ask for a fresh check before we act. That step protects your account and creates a clear trail for later legal questions.

Retention

We hold records only for the period needed for account operation, tax, dispute handling and lawful audit trails. After that window closes, the record is deleted or anonymised where the law allows.

Change requests

If you want a correction, copy or deletion where permitted, send the request from the account email or support form. We will confirm what can be changed and what must stay on record.

Contact route

For legal questions, use the help panel or the contact path listed on the site. We respond in writing, so you have a record of the request and our reply.

Common legal questions for your account

These questions cover how legal terms apply to your account, what we can store, and how you can reach us when you want a change. If your location changes or local law is updated, the rules that apply to you can change too. We answer from the account record and keep the reply in writing so you can keep it with your own files.

It explains the legal terms tied to account use, record handling, payment checks and contact routes. If a point is not covered here, we apply the clause in your account terms and the law that applies in your location.

Access depends on local law and on any local restriction that applies to your location. If a place does not permit use, we do not offer access there, and we will show the restriction at the account step.

We keep the details needed to run your account, verify requests, handle payments, settle disputes and meet tax or audit duties. After the legal retention period ends, those records are deleted or anonymised where allowed.

Cookies remember your session, keep forms from clearing too soon and help us spot unusual access. If you disable them, some pages may work less smoothly and you may need to sign in again.

Send the request from the email linked to your account or from the help panel. Tell us what needs changing, attach the supporting record if you have one, and we will confirm the permitted next step.

A withdrawal can need more checks if the amount, device or account pattern looks unusual, or if local law asks for extra verification. We use that step to protect the account and complete the legal record.

Use the account message form or the contact route listed on the site footer. Include the page path, your account email and the legal point you want checked so we can answer in writing.

Legal terms for your account

How to reach us

How we handle records

Data use

Cookies

Security checks

Retention

Change requests

Contact route

Common legal questions for your account

01 What does this page cover?

02 Can I use h0li everywhere in India?

03 What records do you keep?

04 How do cookies affect my account?

05 How do I ask for a correction?

06 Why might a withdrawal need more checks?

07 How do I contact you about a legal issue?

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