Reference

3milyartoto Legal Terms for Indonesian Accounts

The legal framework at 3milyartoto sets out how your account is governed, how we handle your data, and the conditions under which access to our lobby is available…

Account eligibility depends on local lawDANA, OVO, GoPay & QRIS coveredData retention policy includedContact path for legal requestsTerms updated and version-dated

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How Our Legal Terms Apply to Your Account

3milyartoto Service availability depends on jurisdiction. Users are responsible for checking local law before access.

Access to the 3milyartoto lobby depends on local law, and these terms are written to reflect that condition clearly. By completing phone verification and activating your account, you confirm that your use of our platform — including deposits processed through DANA, OVO, GoPay, QRIS, virtual account

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or bank transfer via BCA, BRI, Mandiri or BNI — falls within the legal scope that applies to your region. We reserve the right to restrict or suspend account access if eligibility cannot be confirmed. Transaction records tied to your wallet status, including QRIS scan history
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and OVO transfer receipts, may be retained for up to five years as part of our regulatory record-keeping obligations. If you have questions about how these terms apply in your specific city or region, our support team can clarify your account status.

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

LEGAL CONTACT PATHS

Reach Us for Legal or Policy Questions

If you need to raise a legal concern, request a copy of your account data, or flag a policy question about your DANA or QRIS payment…

DATA & ACCOUNT SECURITY

How We Protect and Manage Your Legal Rights

Beyond the written terms, your rights as an account holder are backed by specific operational practices — from how we store QRIS and GoPay transaction logs to how we handle a formal…

Data Handling

Personal data linked to your account — including phone number, payment wallet IDs and transaction history — is stored on access-controlled servers and never sold to third parties.

Cookie Policy

We use session cookies to maintain your login state and analytics cookies to understand lobby navigation patterns. You can review cookie preferences in the account settings panel.

Account Security

Phone verification is required before any account becomes active, adding a layer of identity confirmation that protects both your wallet and your legal account record from unauthorised access.

Retention Period

Account data and payment records — including DANA transfer logs and virtual account receipts — are retained for five years from your last active transaction, then deleted per our data lifecycle policy.

Right to Correct

You may request a correction to any inaccurate personal data we hold. Submit the request via the Help Centre in your account panel and we will confirm the update within 3 business days.

Policy Updates

When our legal terms change, we publish the updated version with a revision date in the Legal section. Continued account use after the posted date constitutes acceptance of the revised terms.

Legal Questions About Your 3milyartoto Account

The questions below cover the legal situations our account holders ask about most — from data rights and cookie use to how our terms interact with local law in Indonesia.

Yes — these terms apply to all accounts regardless of which payment rail you use. DANA, OVO, GoPay and QRIS transactions are all covered under the same account and data policy from the moment your account is active.

Access depends on local law. We do not override regional restrictions, and where local law permits, your account remains fully active. If your region restricts access, we may suspend or limit your account without prior notice.

Submit a data access request through the Help Centre in your account panel. We aim to fulfil verified data requests within 3 business days, including transaction records tied to QRIS and bank transfer history.

Payment records — including DANA deposits, virtual account logs and BCA or Mandiri bank transfers — are retained for five years from your last active transaction, in line with our legal record-keeping obligations.

Closing your account stops active use, but transaction and identity records are retained for the five-year period required under our policy. You may request confirmation of closure status via email support.

Yes — formal disputes can be raised via the email contact listed in your account settings under Contact and Policy. Include your registered phone number and the relevant transaction or account reference for faster handling.

We post each revision with a clear update date in the Legal section of the site. We aim to notify active account holders via the in-account notification panel at least 7 days before major term changes take effect.

3milyartoto Legal Terms for Indonesian Accounts

Reach Us for Legal or Policy Questions

How We Protect and Manage Your Legal Rights

Data Handling

Cookie Policy

Account Security

Retention Period

Right to Correct

Policy Updates

Legal Questions About Your 3milyartoto Account

01 Do 3milyartoto legal terms apply if I use DANA or OVO to deposit?

02 Does account access at 3milyartoto depend on local law?

03 How can I request a copy of my personal data held by 3milyartoto?

04 How long does 3milyartoto retain my payment and account records?

05 What happens to my legal account record if I close my account?

06 Can I dispute a policy decision about my 3milyartoto account?

07 How will I know when 3milyartoto legal terms have been updated?

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