Reference

toko88 Legal Terms You Should Know

Every account on toko88 operates under a clear set of legal terms that define your rights, our obligations and the conditions under which access is granted where local…

Jurisdiction-dependent accessAccount rights clearly statedData retention policyDANA, OVO, GoPay, QRIS transaction termsContact path for legal requests

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How Our Legal Terms Apply to Your Account

toko88 Service availability depends on jurisdiction. Users are responsible for checking local law before access.

Access to toko88 depends on local law in your region of Indonesia. By opening an account, you confirm that your use of this platform — including deposits via DANA, OVO, GoPay, QRIS, bank transfer or virtual account — falls within the permissions available to you under

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applicable local regulation. We do not extend account access to regions or individuals where that access would conflict with local law. Our terms govern every transaction you initiate, every session you open and every communication you send through our support channels. Changes to these terms are
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posted at this URL; continued use of the account after a posted change constitutes acceptance. If any clause is unclear, our support team is reachable before you take action on your account.

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

LEGAL CONTACT PATHS

Reach Us With a Legal Question or Request

If you need to raise a legal concern, request data access or ask about account eligibility under local law, three contact routes are available to you. Whether you are based in Jakarta or Yogyakarta, our team handles legal correspondence through dedicated channels separate from general account support, so your query reaches the right person without delay.

Team online

Live Chat — Legal Queue

Open live chat from your account dashboard and select the legal or compliance category. Available 09:00–23:00 WIB daily for account and data queries.

Email — Legal Requests

Send formal requests — data access, account closure, terms clarification — to our legal correspondence email. We aim to respond within two business days of receipt.

Account Help Centre

The Help Centre under your account settings holds a Legal section with pre-answered questions on jurisdiction, data retention and payment clause scope.

DATA AND SECURITY

What We Do to Protect Your Legal Position

Our account security and data practices are built to keep your legal position clear at every step — from phone verification on first login to how long we hold transaction records for…

Phone Verification Before Access

Your account requires phone verification before the lobby opens. This step confirms account ownership and forms part of the identity record we hold under our data retention policy.

Transaction Record Retention

Deposits and withdrawals via DANA, OVO, GoPay, QRIS and bank transfer are logged and retained for the period required under our terms. You may request a statement through the Help Centre.

Cookie and Session Data

We use session cookies to maintain your login state and analytics cookies to understand page behaviour. You can manage cookie preferences from your browser settings at any time.

Account Security Practices

Password hashing, secure HTTPS transmission and session timeout after inactivity are standard on all account pages — including the cashier where your QRIS and virtual account details appear.

Data Access Requests

You may request a copy of the personal data we hold on your account. Submit the request via the legal email channel; we respond within two business days and confirm identity before releasing any data.

Account Closure and Data Removal

You can request account closure at any time. After closure, transaction data is held for the legally required retention window, then removed. We confirm deletion in writing upon completion.

Legal Questions We Hear Most Often

These are the questions that come up most often when you read our legal terms for the first time. If your question is not listed here, the legal contact paths above will get you to the right person.

Yes. Access to toko88 depends on local law in your area. Where local law permits, you may open an account and use our services. You are responsible for confirming your own eligibility before registering.

Every deposit — whether via DANA, OVO, GoPay, QRIS or bank transfer — falls under the payment clause of our terms. That clause outlines processing conditions, reversal rules and dispute steps for each payment rail.

Send a written request to our legal email address. We verify your identity first, then produce a data summary within two business days. The Help Centre legal section outlines exactly what data categories we hold.

Yes. Submit a closure and deletion request through live chat or email. Transaction records are held for the legally required retention period after closure, then permanently removed. We confirm this in writing.

We use session cookies for login continuity and analytics cookies for page performance. You can disable non-essential cookies from your browser settings; session cookies are required for the account to function.

Updated terms are posted at toko88.click/legal/ with the revision date noted at the top. If a change materially affects your account rights, we send a notification to your registered contact before the change takes effect.

GoPay, QRIS and all other payment records are retained for the period required under our data retention policy after account closure. You may request a transaction statement before closing, and we will provide it.

toko88 Legal Terms You Should Know

Reach Us With a Legal Question or Request

Live Chat — Legal Queue

Email — Legal Requests

Account Help Centre

What We Do to Protect Your Legal Position

Phone Verification Before Access

Transaction Record Retention

Cookie and Session Data

Account Security Practices

Data Access Requests

Account Closure and Data Removal

Legal Questions We Hear Most Often

01 Does toko88 legal access depend on where I live in Indonesia?

02 What legal terms cover my DANA or OVO deposits?

03 How do I request the personal data toko88 holds on my account?

04 Can I ask toko88 to delete my account and all associated data?

05 What cookies does toko88 use and can I turn them off?

06 Where are toko88 legal terms updated and how will I know?

07 What happens to my GoPay or QRIS transaction records if I close my account?

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