Reference

Your Rights and Our Legal Commitments

setantoto operates under a clear legal framework designed for Indonesian account holders — covering data privacy, account terms, jurisdiction scope, and your rights as a user.

Data Privacy PolicyAccount Terms & ConditionsDANA, OVO, GoPay, QRIS ComplianceJurisdiction: depends on local lawCookie & Retention Policy

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What Our Legal Policy Covers

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

Our legal policy governs every interaction you have with setantoto — from the moment you open an account to how we handle your transaction records when you deposit via DANA, OVO, GoPay, or QRIS. We retain transaction data in compliance with applicable financial regulations, and we

1
do not share your payment details with third parties outside of required verification processes. Eligibility to use our platform depends on local law in your region; we encourage you to verify this before proceeding. Our terms apply uniformly across all account types, and any dispute resolution
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follows a documented escalation process. Indonesian account holders in cities such as Semarang are subject to the same policy scope as all other regions we support.

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

LEGAL CONTACT PATHS

How to Reach Us on Legal Matters

If you have a question about your rights, a data request, or a concern about how we apply our terms, our legal support team is reachable…

HOW WE HANDLE DATA

Inside setantoto Data and Account Security

Every data-handling and security measure we apply is described here so you know exactly what we store, why we store it, and how long we keep it.

Data Storage Policy

We store your account data on encrypted servers. Personal details such as your name, email, and payment method — including DANA or OVO records — are retained only for the period required by applicable financial regulations.

Cookie Management

We use session cookies for login security and analytics cookies to improve page performance. You can review and withdraw cookie consent at any time via the Cookie Settings panel inside your account preferences page.

Account Security Protocol

Two-step verification is available for all accounts. We recommend enabling it via Settings > Security. Any suspicious login from an unrecognised device triggers an automatic email alert to your registered address within minutes.

Data Retention Schedule

Transaction records — including GoPay and QRIS deposits — are retained for up to 5 years as required by financial compliance standards. After this period, records are permanently deleted from our active database.

Who to Contact for Data Requests

To request a copy of your stored data or ask us to delete your account history, use the Data Request form in Settings > Legal, or email our legal team directly. We confirm receipt within 24 hours and fulfil requests within 14 days.

Policy Update Notifications

When we update our legal terms or privacy policy, we notify you via your registered email address at least 7 days before the new version takes effect. You can review version history inside the Legal tab of your account.

Frequently Asked Legal Questions

Below are the questions we receive most often about our legal terms, your data rights, and how our policies apply to Indonesian account holders. If your question is not answered here, our support team is available 24/7 via live chat.

Access to our platform depends on local law. We strongly encourage you to check the regulations applicable in your province or city before opening an account. We do not give legal advice on jurisdiction eligibility.

We collect your name, email address, phone number, and payment method details such as DANA or OVO account identifiers. This data is used solely for account verification, transaction processing, and fraud prevention purposes.

Transaction records for all payment methods — including QRIS and GoPay — are kept for up to 5 years in line with applicable financial compliance requirements. After that period, records are permanently removed from our systems.

Log in to your account, go to Settings > Legal, and submit a Data Access Request. Alternatively, email our legal team directly. We confirm receipt within 24 hours and deliver your data file within 14 business days.

Yes. Submit a deletion request through Settings > Legal or via email. We will close your account and remove personal data from active systems within 14 days, subject to any retention periods required by financial regulations.

We email your registered address at least 7 days before any updated terms take effect. The notification includes a summary of what changed. Continuing to use your account after the effective date constitutes acceptance of the updated terms.

Contact our support team via live chat or email with your account reference and a clear description of your dispute. Legal disputes follow a documented escalation process and are reviewed by our compliance team within 5 business days.

Your Rights and Our Legal Commitments

How to Reach Us on Legal Matters

Inside setantoto Data and Account Security

Data Storage Policy

Cookie Management

Account Security Protocol

Data Retention Schedule

Who to Contact for Data Requests

Policy Update Notifications

Frequently Asked Legal Questions

01 Does Indonesian law allow me to use setantoto?

02 What personal data does setantoto collect from my account?

03 How long do you keep my QRIS and GoPay transaction records?

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

05 Can I ask setantoto to delete my account and all associated data?

06 What happens if setantoto updates its legal terms?

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

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