Reference

Your Rights and Our Legal Commitments

ligatunai operates under a defined legal framework that tells you exactly what governs your account, how your data is handled, and where your rights begin and end —…

Jurisdiction-aware termsDANA, OVO, GoPay & QRIS coveredAccount data rights explainedIndonesia-specific policy clausesContact path for legal queries

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What Our Terms Actually Cover

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

Our terms of service apply the moment you open an account with ligatunai and cover every action you take — deposits via DANA, OVO, GoPay or QRIS, withdrawals, account suspension, and dispute resolution. Access to specific features depends on local law, and we reflect that in

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region-specific clauses written for Indonesian accounts. We do not embed hidden obligations: every material condition appears in the main document, not buried in footnotes. If a policy clause changes, we notify your registered email at least seven days before the change takes effect. The legal document
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is versioned — you can always request a copy of the version that was active when you registered. For account holders in Jakarta and across Indonesia, our terms are enforceable only to the extent permitted under applicable Indonesian regulations.

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

LEGAL CONTACT PATHS

How to Reach Us on Legal Matters

Every legal query deserves a direct answer, not a generic support ticket.

ACCOUNT SECURITY DETAIL

How We Handle Data, Cookies and Account Access

Trust is not a marketing word here — it is a set of specific, auditable practices we apply to every account.

Data Encryption

All account data — including payment records from DANA, OVO, GoPay and QRIS transactions — is encrypted using AES-256 at…

Cookie Policy

We use session cookies, security tokens and analytics cookies scoped to ligatunai domains only.

Data Retention Schedule

Transaction records are retained for five years as required by applicable financial regulations.

Access Logs

Every login event, including device type, timestamp and IP region, is logged and available to you under Settings → Security…

Data Correction Rights

You may request a correction to any stored personal detail at any time.

Legal Contact Officer

Our designated privacy and legal contact officer handles escalated requests for data access, deletion or formal complaints.

Frequently Asked Legal Questions

These are the questions we hear most often from Indonesian account holders about their rights, our policies, and how specific legal conditions apply to them. If your question is not covered here, use the Live Chat legal queue or email our legal inbox for a written answer.

Access and account eligibility depend on local law. Our terms include Indonesia-specific clauses that reflect applicable local regulations, and any conflicting provision defaults to what local law permits in your region.

Log into your account, go to Settings → Legal Documents, and submit a version request. We retain all historical terms versions and deliver the relevant document to your registered email within 72 hours of the request.

Yes. All payment records — including those processed via DANA, OVO, GoPay and QRIS — are classified as personal financial data under our privacy policy and are subject to the same encryption, retention and access-right rules as your account profile data.

We send a notification to your registered email address at least seven days before any material change to our terms takes effect. The notification includes a summary of what changed and a link to the full revised document.

You may submit a deletion request through the Account Portal at any time. Profile data is removed within 30 days. Financial transaction records are retained only where local law or financial regulations require it, and you will be informed of any such retention obligation.

Our dispute resolution process starts with the Live Chat legal queue or our legal email inbox. If the matter cannot be resolved internally within 14 days, the dispute is referred to the applicable legal mechanism as defined in the jurisdiction clause of your active terms.

Navigate to Settings → Privacy → Cookie Preferences inside your account. Deselecting non-essential categories takes effect immediately and does not affect your ability to log in, make deposits via GoPay or QRIS, or access any core account feature.

Your Rights and Our Legal Commitments

How to Reach Us on Legal Matters

How We Handle Data, Cookies and Account Access

Data Encryption

Cookie Policy

Data Retention Schedule

Access Logs

Data Correction Rights

Legal Contact Officer

Frequently Asked Legal Questions

01 Does Indonesian law govern my ligatunai account?

02 How do I request a copy of the terms version active when I registered?

03 Are my DANA and OVO transaction records part of my personal data?

04 How much notice will I receive before terms change?

05 Can I request deletion of my account data?

06 What happens to my account if a legal dispute arises?

07 How do I withdraw consent for non-essential cookies?

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