Reference

Your Rights and Our Legal Commitments

koihoki operates under a clear legal framework designed for Indonesia — covering how we collect your data, how your account is governed, and what recourse you have when…

Account Terms & ConditionsPrivacy & Data PolicyCookie UsageJurisdiction: IndonesiaDANA, OVO, GoPay, QRIS Covered

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How Our Legal Policies Apply to You

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

Our terms govern every interaction you have on koihoki — from opening your account to processing a withdrawal via DANA, OVO, GoPay, or QRIS. Access to certain features depends on local law, and we apply jurisdiction-specific rules automatically based on your registered region. We do not

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share your payment data with third parties outside our verified processing partners. Account data is retained for a minimum of five years in line with standard financial compliance requirements. If you dispute a transaction — whether funded through GoPay or QRIS — our internal review team
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has a 72-hour response window. All terms are written in plain language and published without hidden clauses. When eligibility for a feature or service is unclear, the rule is always: depends on local law.

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

LEGAL CONTACT PATHS

Reach Us for Policy and Account Questions

If you have a question about how a specific policy applies to your account, or you want to request a data change, our support team is available around the clock.

Live Chat Start a live chat session directly from your account dashboard. Our legal and compliance-aware agents respond within two minutes during standard hours and within five minutes overnight.

Email Support Send your policy query or data-change request to our support email. We confirm receipt within one hour and issue a full written response within 24 hours for all legal account matters.

WhatsApp Message our WhatsApp line for quick policy clarifications or to escalate a dispute. Agents can access your account record securely after identity verification, reducing back-and-forth on simple legal queries.

ACCOUNT SECURITY STANDARDS

How We Protect Your Data and Account

Our security and data practices are built to match the expectations of Indonesia financial regulations and international data standards.

Data Encryption

All data in transit between your device and our servers is encrypted using TLS 1.3. This covers login sessions, payment details entered for DANA and OVO, and any personal information submitted during account verification.

Cookie Policy

We use functional and analytical cookies to maintain your session and measure page performance. You can review and adjust your cookie preferences at any time through the settings panel in your account profile.

Data Retention

Your account data — including transaction records for GoPay and QRIS payments — is retained for a minimum of five years. After this period, inactive records are archived securely or deleted in accordance with applicable local law.

Identity Verification

Account verification requires a government-issued ID and a selfie match. This step protects your account from unauthorised access and ensures your withdrawal destination — whether DANA or a linked bank — is tied to you alone.

Data Access Requests

You may request a full export of the personal data we hold on your account at any time. Submit your request via email or live chat; we fulfil verified data-access requests within 14 business days.

Account Closure

You can request account closure at any time by contacting our support team through any of the three channels above. We process closure requests within 48 hours and confirm final balance settlement before deactivation.

Your Legal Questions About koihoki

These are the questions we receive most often about how our policies work, what rights you hold as an account holder, and how to act on them. Each answer reflects our actual processes — not a generic terms summary.

Your account terms are governed by the jurisdiction applicable to your region. Access to specific features depends on local law, and we apply those rules automatically when you register with an Indonesia address.

Yes. Submit a data-access request via live chat or email with your verified account details. We fulfil confirmed requests within 14 business days and send the data export to your registered email address.

We use session cookies to keep you logged in and analytical cookies to improve page performance. You can turn off non-essential cookies in your account settings panel at any time without affecting your ability to deposit or withdraw.

Transaction records — including DANA deposits, OVO withdrawals, GoPay and QRIS payments — are retained for five years after account closure in line with financial compliance requirements, then archived or deleted under local law.

Contact our support team via live chat, email, or WhatsApp. Our internal review team logs your case immediately and provides a written response within 72 hours. Payment disputes involving GoPay or QRIS follow the same process.

We do not sell or share your payment data with external parties outside our verified payment processors. DANA, OVO, GoPay, and QRIS integrations operate under data-sharing agreements that restrict how your information can be used.

Request account closure through any support channel. We process the closure within 48 hours and arrange a final balance withdrawal to your nominated DANA, OVO, GoPay, or QRIS account before deactivation is confirmed.

Your Rights and Our Legal Commitments

Reach Us for Policy and Account Questions

How We Protect Your Data and Account

Data Encryption

Cookie Policy

Data Retention

Identity Verification

Data Access Requests

Account Closure

Your Legal Questions About koihoki

01 Which law governs my koihoki account?

02 Can I request a copy of the personal data koihoki holds about me?

03 How do cookies affect my account and can I turn them off?

04 What happens to my DANA or OVO transaction records if I close my account?

05 How do I dispute a transaction or a policy decision?

06 Does koihoki share my payment details with third parties?

07 How do I close my account and retrieve my remaining balance?

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