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Our Legal Terms for Your Account

vivototo operates under a defined legal framework that governs how your account, your data, and your transactions are handled — access to services depends on local law.

Jurisdiction-Aware TermsDANA, OVO, GoPay & QRIS CoveredAccount Data RightsLocal Law ComplianceClear Dispute Path

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What Our Legal Terms Actually Cover

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

Our terms of service define the contractual relationship between you and vivototo from the moment your account is created. They cover how deposits cleared through DANA, OVO, GoPay and QRIS are recorded and attributed to your account, how withdrawal requests are verified before funds are released,

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and how disputes are escalated if a transaction is not reflected correctly. All financial records tied to your account — including payment method logs for QRIS and GoPay — are retained in accordance with applicable Indonesian data retention standards. Where access or eligibility is discussed, the
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terms apply only where local law permits. Any change to these terms is communicated to you via the email address registered on your account at least seven days before the change takes effect, giving you time to review and, if needed, close your account.

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 under our terms, need to request a correction to your account records, or want to file a formal…

ACCOUNT SECURITY DETAIL

How vivototo Handles Data and Account Security

Every account is protected through layered security practices — from the moment you register to each time you initiate a payment via OVO or DANA.

Data Encryption

All personal data submitted during account creation and payment — including DANA and OVO wallet identifiers — is encrypted in transit and at rest. We do not store raw payment credentials on our servers after a transaction is confirmed.

Cookie Policy

We use session cookies to keep your account logged in and analytics cookies to understand how our legal pages are read. You can adjust cookie preferences under Settings › Privacy at any time without affecting your account access.

Account Data Retention

Transaction records — including GoPay and QRIS deposit confirmations — are retained for a minimum of five years in line with financial record-keeping standards. Account profile data is held for as long as your account remains active.

Right to Correct

You may request a correction to any personal data we hold about your account at any time. Submit the request via live chat or email; we process corrections within five working days and send written confirmation when the update is complete.

Account Closure and Data

When you close your account, we retain transaction records for the legally required period but remove marketing preferences immediately. You can request a full data export before closure via Settings › Account › Request Data.

Dispute Resolution Contact

Formal disputes about account decisions or transaction records are handled by our compliance team. Submit a written dispute via email with your account ID and the relevant transaction date; we provide a written outcome within ten working days.

Common Questions About Our Legal Terms

The questions below reflect what our account holders in Indonesia most commonly ask when reading through our terms of service, privacy practices, and dispute procedures. If your question is not listed here, reach us via live chat or email — our team handles legal enquiries seven days a week.

Access to our platform and the terms that apply to your account depend on local law. We outline the applicable jurisdiction in our full terms document, accessible from your account dashboard under Settings › Legal.

Yes. Navigate to Settings › Account › Request Data to submit a data export request. We compile and deliver a full account data file — including transaction logs for DANA, OVO, GoPay and QRIS — within seven working days.

If a DANA or GoPay deposit is not reflected on your account within the expected window, raise a dispute via live chat with your payment reference number. Our finance team investigates and provides a written outcome within five working days.

We send a notification to your registered email address at least seven days before any material change to our terms takes effect. You can review the updated terms in full before the change date and contact us with any questions.

QRIS, OVO and all other transaction records are retained for the legally required minimum period after account closure. We remove marketing preferences immediately on closure and can provide a data export before you close.

We use session and analytics cookies; you can manage your preferences at any time under Settings › Privacy. Adjusting cookie settings does not affect your ability to log in or process payments through your account.

Contact us via live chat or email with your account ID and the specific data you believe is inaccurate. Our compliance team reviews corrections within five working days and confirms changes in writing once the update is complete.

Our Legal Terms for Your Account

How to Reach Us on Legal Matters

How vivototo Handles Data and Account Security

Data Encryption

Cookie Policy

Account Data Retention

Right to Correct

Account Closure and Data

Dispute Resolution Contact

Common Questions About Our Legal Terms

01 Does Indonesian law govern my account with vivototo?

02 Can I request a copy of all the data vivototo holds about me?

03 How are disputes about DANA or GoPay deposits handled?

04 How much notice do I get before the terms of service change?

05 What happens to my transaction records if I close my account?

06 How does vivototo handle cookies and can I opt out?

07 Who do I contact if I think my account data is incorrect?

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