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Our Legal Terms and What They Mean for Your Account

These terms govern how your 99clover account works — from how we handle your data to what applies when you use DANA, OVO, or GoPay to fund your wallet. Access and eligibility depend on local law and are available only where local law permits.

Account & Wallet RulesData Handling PolicyDANA, OVO, GoPay TermsJurisdiction & EligibilityContact & Rights Requests
99clover Our Legal Terms and What They Mean for Your Account
ACCOUNT SECURITY STANDARDS

How We Protect Your Data and Account Access

Security and data handling are not afterthoughts here. Every account on 99clover is protected with SSL-encrypted sessions, and your login is verified through an OTP step tied to your registered contact. We retain your payment records — including DANA, OVO, and GoPay transaction references — for as long as your account is active, and for the statutory period after closure. You can request a copy of your stored data at any time through the support channels above.

SSL Encryption

Every session on 99clover runs over SSL. Your account credentials, wallet balance, and payment channel details are encrypted end-to-end from login to logout.

OTP Verification

Account access requires a one-time code sent to your registered number. This applies at login and when you update sensitive details like your linked DANA or OVO account.

Data Retention Policy

We keep your transaction records — including GoPay and OVO payment references — for as long as your account is active, plus the minimum period required by applicable law.

Right to Access

You can request a full export of the personal data we hold on your account. Submit the request via live chat or email, and we will process it within the timeframe local regulations require.

LEGAL CONTACT PATHS

How to Reach Us on Legal and Policy Matters

If you have a question about your rights, want to request a copy of your account data, or need clarification on how a specific term applies to your wallet or payment history, our support team handles these requests directly. Reach out through any of the channels below — we aim to respond to legal and policy queries within one business cycle.

Live Chat Start a live chat session from inside your account dashboard. Available around the clock for account-level queries including policy clarification and data access requests.
Email Support Send your legal or privacy request by email. Include your account ID and the specific policy area you are asking about — data retention, payment records, or account closure.
In-App Help From the mobile view, open the Help section in your account menu. You can submit a legal query or data request directly without leaving the app on your device.

Common Questions About Our Legal Terms

These are the questions we hear most often about account rights, data handling, and how our legal terms work in practice for Indonesia users.

We do not sell or share your payment details beyond what is needed to process the transfer. DANA, OVO, and GoPay transactions are logged internally under your account ID only.

Submit a data access request through live chat or email with your account ID. We process these requests within the timeframe required by applicable local law in your region.

After account closure, we retain your records — including payment references and session logs — for the statutory period required by local regulations, then delete them from active storage.

The terms are consistent nationally, but access and eligibility always depend on local law. If local regulations in your city restrict use of the platform, those restrictions apply regardless of these terms.

Yes. Contact us via live chat or the in-app Help section with your account ID. Our support team can retrieve your GoPay and other payment channel records from your account history.

We notify you of material changes through your registered account contact — either by message to your account inbox or to your registered number. Check your account settings to ensure your contact details are current.