Reference

Understand Your Rights and Our Obligations

These legal terms set out the conditions under which cikad4d operates for accounts in Indonesia, including how we handle your data, how account eligibility is determined, and what you can expect from us when questions arise.

Jurisdiction-aware termsAccount data policyDANA, OVO, GoPay wallet contextUser rights clearly statedIndonesia-eligible regions
cikad4d Understand Your Rights and Our Obligations
HOW WE HANDLE YOUR DATA

Account Security, Data and Policy Practices

Our approach to account data, cookie use, and security is built around a few clear principles: we collect only what we need to operate your account and process payments, we keep it no longer than required, and we give you a direct way to ask for changes. Here is how each area works in practice.

Cookie and Session Data

We use session cookies to keep you logged in and analytics cookies to understand how the platform performs. You can adjust cookie preferences via your browser settings at any time without affecting your account access.

Account Security Practices

Your login is protected by OTP verification sent to your registered mobile number. We never ask for your DANA, OVO, or GoPay PIN through any support channel — any message that does should be reported immediately.

Data Retention Schedule

Transaction records, including deposits made via GoPay or DANA, are retained for the period required by applicable financial regulations. Once that period passes, records are deleted from our active systems on a rolling basis.

Requesting Changes to Your Data

You can request a correction or deletion of personal data by contacting support through live chat or email with your account ID. We process verified requests within the timeframe set by applicable law in your region.

LEGAL CONTACT PATHS

Reach Us About Policy or Account Issues

If you need to raise a legal query, request a data correction, or flag an account dispute, we have three contact paths available. Each route is handled by the same support team, so choose the one that suits how you prefer to communicate. We aim to acknowledge legal and policy queries within one business day.

Live Chat Open the chat icon from any page while logged in. Use this path for account disputes or to ask about a specific clause in our terms before it affects your wallet.
Email Support Send your legal or data query to our support address listed in the account settings page. Attach your account reference number so we can locate your records faster.
Account Help Centre The help centre inside your account dashboard covers common policy questions, DANA and OVO wallet verification steps, and how to submit a formal data access request.

Common Questions About Legal Terms and Your Rights

These questions come up regularly when accounts in Indonesia want to understand how our legal framework applies to them, their wallets, and their data. If your question is not covered here, the live chat path in your account dashboard is the fastest way to get a direct answer.

Yes. Any payment method linked to your account — including DANA, OVO, and GoPay — falls within our terms. Transaction records and dispute processes described in the terms apply equally to all three wallet types.

Submit a data access request through live chat or our support email with your account reference number. We verify your identity before releasing any records and respond within the timeframe applicable law requires.

Certain records are retained for the period required by financial regulations even after account closure. Once that retention period expires, your data is removed from active systems. You can ask support for the specific timeline.

Absolutely. Contact us through live chat or email before completing registration or before accepting a terms update. Our support team can clarify any clause in plain language — no legal jargon needed.

Access depends on local law and is available only where local regulations permit. We recommend checking the rules that apply to your specific region; we cannot confirm eligibility on your behalf.

We notify active accounts of material changes before they take effect, typically via an in-platform message or email to your registered address. Continuing to use the platform after that notice means you accept the revised terms.
Reference

Legal

Service availability depends on eligible regions and local law. Users should check local rules before opening an account.

Access may be available only where local law permits.