Reference

Your Account Rights and Our Obligations

These Terms & Conditions set out exactly what you agree to when you open an account with autotogel, and what we commit to in return.

Account Eligibility CriteriaDANA, OVO, GoPay & QRIS Payment RulesWithdrawal Verification ProcessAccount Suspension & Closure TermsDispute Resolution Path
autotogel Your Account Rights and Our Obligations
TERMS CONTACT CHANNELS

How to Reach Us About These Terms

If any clause in these Terms & Conditions is unclear, or you believe a term has been applied to your account incorrectly, our support team is available to help you work through it. Reach us through the channels below and we will respond with a written explanation referencing the specific clause in question.

Team online

Live Chat Support

Our live chat channel is open 24 hours a day, seven days a week. Type your account ID and the clause number you are querying and a representative will pull up your account history within 60 seconds.

Email Disputes Desk

For formal written queries about how a term was applied to your account, email our disputes desk. We aim to respond within 24 hours with a clause-specific written explanation you can keep for your records.

WhatsApp Terms Line

Send a WhatsApp message with your registered phone number and the clause reference. Our terms team responds between 08:00 and 22:00 WIB daily and can escalate to a senior case handler if needed.

ACCOUNT SECURITY & DATA

How We Protect Your Account and Data Under These Terms

autotogel applies a set of enforceable data-handling and security practices that are written into these Terms & Conditions — not treated as optional extras.

Data Retention Period

We retain your account data for a minimum of five years from the date of last activity, in line with standard financial-record obligations. You may request a summary of the data we hold via the email disputes desk at any time.

Cookie & Tracking Policy

Our cookie policy is detailed in Clause 8 of these Terms. Session cookies are required for account login; analytics cookies are optional. You can withdraw consent for optional cookies through your account privacy settings at any time.

Account Security Obligations

You are required to keep your login credentials confidential under Clause 5.1. If you suspect unauthorised access, use the account lock feature in Settings immediately and notify our live chat team, who will freeze the account within minutes.

Transaction Record Access

Every DANA, OVO, GoPay and QRIS transaction processed through your account is logged and accessible from your account dashboard for up to 180 days. You can request extended records by contacting the email disputes desk.

Requesting Term Changes

If you believe a specific clause should be amended based on a change in applicable local law, submit a written request via email. We review such requests within 14 business days and provide a formal written response.

Account Closure Procedure

To close your account under Clause 9, submit a closure request through live chat or email. We process closures within 48 hours, settle any outstanding QRIS or GoPay balance first, and send a closure confirmation to your registered email.

Answers to Common Questions About These Terms

The questions below reflect what you are most likely to ask when reading through your account terms for the first time. Each answer points to the specific clause so you can verify it directly in the full document.

Yes. Clauses 4.2 through 4.5 cover DANA, OVO, GoPay and QRIS specifically. Each sub-clause outlines processing times, minimum amounts and what happens if a transaction is flagged for verification before it clears to your account.

We publish all updates on the Terms & Conditions page and note the effective date at the top of the document. We also send an in-app notification to your account dashboard. Continued use of your account after the effective date means you accept the updated terms.

Under Clause 10.3, we retain your transaction and identity records for five years after closure, as required by financial-record standards. You can request a copy of this data at any time by contacting the email disputes desk within that period.

Account suspension is covered in Clause 7. If your account is suspended, you will receive an email stating the reason and the clause invoked. You can submit a formal appeal via the email disputes desk within 30 days of the suspension notice.

Some features depend on local law. Where a specific function is restricted in your region, you will see a notice in your account dashboard referencing the applicable clause. Contact live chat if you need clarification on what is available to you.

Submit a correction request via the email disputes desk with your account ID and the specific data point you want amended. Under Clause 11.2, we will review and respond within 10 business days, confirming whether the correction has been applied.

Clause 13 sets out the full dispute resolution path. Start with live chat for minor queries. If unresolved within 72 hours, escalate to the email disputes desk for a formal written decision. We aim to close all formal disputes within 14 business days.