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Your Rights and Our Legal Commitments

tunai188 operates under a defined legal framework that sets out your rights, our obligations, and the terms that govern every account, transaction, and data point on this platform.

Terms & ConditionsPrivacy PolicyQRIS & DANA TransactionsAccount Data RightsJurisdiction Disclosure

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How Our Legal Terms Apply to Your Account

tunai188 Service availability depends on jurisdiction. Users are responsible for checking local law before access.

Our terms of service establish the rules that bind both tunai188 and you from the moment your account is created. Every deposit processed through DANA, OVO, GoPay, or QRIS is subject to these terms, and transaction records are retained for a minimum of five years in

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line with our data retention schedule. Eligibility to hold an account and access specific features depends on local law, and we apply region checks at login to enforce this consistently. Where a term conflicts with applicable Indonesian regulations, the local regulation prevails. We update these terms
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when our product or legal environment changes; the version date shown at the bottom of our Terms page is always the current one. You will receive an in-app notification seven days before any material change takes effect.

Service availability depends on jurisdiction. Users are responsible for checking local law before access.

LEGAL CONTACT PATHS

Reach Our Legal and Compliance Team

If you have a question about your account rights, a data request, or a dispute over a transaction processed via OVO or GoPay, our compliance-trained support team is reachable every day. We keep response windows clear so you know when to expect a reply — whether you write from Bandung at midnight or during peak hours in the afternoon.

Team online

Live Chat

Available 24 hours a day, seven days a week. Start a live chat session from your account dashboard and a compliance-aware agent will handle your legal or account query within five minutes during standard hours.

Email Support

Send detailed legal requests, data access queries, or transaction dispute documentation to our compliance inbox. We aim to respond within 48 hours and confirm receipt immediately by automated acknowledgement.

Account Ticket System

Log a formal legal request directly from the Settings > Help section of your account. Tickets are assigned a reference number you can track, and our team provides a written resolution for every submitted case.

ACCOUNT & DATA HANDLING

How We Protect Your Data and Account Integrity

We handle your personal and financial data under a strict internal policy that covers collection, storage, access, and deletion.

Data Encryption

All account data — including payment details from DANA, OVO, GoPay, and QRIS transactions — is encrypted at rest and in transit using AES-256. No raw payment credentials are stored on our servers after a transaction clears.

Cookie Policy

We use session cookies to keep you logged in and analytics cookies to understand how pages perform. You can manage cookie preferences from the Privacy tab in your account, and non-essential cookies are off by default at first visit.

Account Security

Two-step verification is available for all accounts and is required before any withdrawal request is processed. If an unrecognised login is detected, we lock the session and send an alert to your registered email within 60 seconds.

Data Retention Schedule

Transaction logs, account activity records, and identity verification documents are retained for five years from the date of your last account activity, after which data is securely deleted from all active and backup systems.

Your Data Rights

You may request a full export of your account data, ask us to correct inaccurate records, or request account closure and deletion by navigating to Settings > Privacy, or by emailing our compliance inbox with your account ID.

Compliance Contact

Our dedicated compliance officer handles escalated legal matters. Formal requests — including objections to data processing or jurisdiction queries — should reference your account number and be submitted in writing via our ticket system.

Frequently Asked Legal Questions

Here are the questions we receive most often about legal terms, data rights, account eligibility, and compliance. Each answer reflects how tunai188 actually operates, not a generic template response — so you get specific, actionable information about your account and your rights.

Access to our platform and specific account features depends on local law. Where Indonesian regulations apply, those rules take precedence over our general terms. We apply region-based checks at every login to enforce eligibility in line with the applicable legal framework.

Go to Settings > Privacy in your account and select 'Request Data Export'. We will compile your account history, transaction records, and profile data into a downloadable file and deliver it within 72 hours to your registered email address.

Yes. Submit a written deletion request via the ticket system in Settings > Help, or email our compliance inbox with your account ID. We process deletion requests within 14 days; transaction records required by law are archived separately for the mandatory five-year retention period.

Every payment processed through DANA, OVO, GoPay, or QRIS is logged with AES-256 encryption. Raw payment credentials are never stored after a transaction clears. You can view your full transaction history from the Wallet section of your account at any time.

We send an in-app notification seven days before any material change to our terms takes effect. The current version date appears at the bottom of our Terms page. Continuing to use your account after the effective date constitutes acceptance of the updated terms.

Open a ticket via Settings > Help within 30 days of the disputed transaction, include the transaction reference number, and our compliance team will investigate. We aim to provide a written resolution within five business days of receiving all required documentation from you.

Submit a formal written request through the ticket system, referencing your account number and the specific legal matter. For jurisdiction queries or objections to data processing, email the compliance inbox directly. We confirm receipt within one business day and respond fully within 48 hours.

Your Rights and Our Legal Commitments

Reach Our Legal and Compliance Team

Live Chat

Email Support

Account Ticket System

How We Protect Your Data and Account Integrity

Data Encryption

Cookie Policy

Account Security

Data Retention Schedule

Your Data Rights

Compliance Contact

Frequently Asked Legal Questions

01 Does Indonesian law govern my tunai188 account?

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

03 Can I ask tunai188 to delete my account and personal data?

04 Are my DANA and OVO transaction records stored securely?

05 How will I know if the legal terms change?

06 What happens if I dispute a transaction processed via GoPay or QRIS?

07 How do I contact the compliance officer for a formal legal matter?

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