Reference

Legal Framework Governing Your Account at lukitoqq

Our legal terms define how your account, data, and transactions are handled when you use lukitoqq, where local law permits.

Jurisdiction-aware termsDANA, OVO, GoPay & QRIS coveredAccount data rights explainedIndonesia-specific compliance24/7 policy support access

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How Our Legal Policy Applies to Your Account

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

Access to lukitoqq and eligibility for certain account features depends on local law. We process all deposits and withdrawals through DANA, OVO, GoPay and QRIS — local payment rails that settle in Indonesia rupiah. Our terms govern how these transactions are recorded, how account disputes are

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escalated, and which jurisdiction handles arbitration. When you open an account, you confirm that your use of the platform is consistent with the regulations in your region. If we detect a conflict between your account activity and applicable local rules, we will pause the relevant account
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function and notify you within 24 hours via the registered email or in-platform message. You retain the right to request a full account statement at any time through the Account Centre.

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

HUBUNGI TIM LEGAL

Reach Our Legal and Policy Support Team

If you have a question about our terms, a data-access request, or a dispute about an account action, our policy support team is reachable around the…

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How lukitoqq Handles Your Data and Account Security

We apply layered account security and a clear data-retention schedule so you always know how your information is stored and who can request changes.

Data Retention Schedule

Transaction records and account activity logs are kept for a minimum of five years in line with standard financial record requirements. You may request a copy of your data through the Account Centre at any time.

Cookie Policy

We use session cookies to keep your account authenticated and analytics cookies to improve page performance. You can adjust cookie preferences from the footer settings link without affecting your login status.

Account Security Steps

Two-factor authentication is available under Security in your account settings. We recommend enabling it immediately after account creation to protect login access from unrecognised devices.

Who Can Request Changes

Only the verified account holder may request personal data amendments. Identity must be confirmed via the document-upload step in Account › Verification before any data change is processed.

Third-Party Data Sharing

We share transaction data only with our payment processors — DANA, OVO, GoPay and QRIS — strictly for settlement purposes. No personal data is sold or transferred to unaffiliated marketing parties.

Jurisdiction and Dispute Handling

Account disputes are handled under the governing jurisdiction stated in our full terms document. Where access or eligibility is discussed, the outcome depends on local law and the account region you registered under.

Answers to Common Legal Questions About Your Account

We've gathered the legal questions our account holders ask most often — covering data rights, account access, payment records, and how to dispute a decision. If your question isn't listed here, contact our policy team via the Help desk in your dashboard.

Our policy applies to all registered accounts in Indonesia, but specific account features and access depend on local law in your region. We will notify you in writing if a feature is restricted based on your registered location.

Log into your account, go to Account Centre › Privacy › Data Request, and submit a formal data export request. We process and deliver your data file within five business days to your registered email address.

Yes. All DANA, OVO, GoPay and QRIS payment records are encrypted and stored under our data-retention policy for a minimum of five years. You can view a summary of your payment history from the Transaction tab at any time.

Submit a closure request via Account › Settings › Close Account. Data required for financial-record compliance will be retained for the legally mandated period; all other personal data is deleted within 30 days of request confirmation.

Open a formal dispute ticket through Settings › Support › Legal Requests. Our policy team reviews all submissions within two business days and responds with a written resolution or escalation path.

We reserve the right to update our terms at any time. When changes are made, we send a notification to your registered email and display an in-platform alert at least seven days before the updated terms take effect.

We do not sell or share your personal data with unaffiliated third parties. Payment processors — DANA, OVO, GoPay and QRIS — receive only the transaction data necessary to complete settlement. No marketing data transfers occur.

Legal Framework Governing Your Account at lukitoqq

Reach Our Legal and Policy Support Team

How lukitoqq Handles Your Data and Account Security

Data Retention Schedule

Cookie Policy

Account Security Steps

Who Can Request Changes

Third-Party Data Sharing

Jurisdiction and Dispute Handling

Answers to Common Legal Questions About Your Account

01 Does lukitoqq's legal policy apply to all regions in Indonesia?

02 How do I request a copy of my personal data held by lukitoqq?

03 Are my DANA and OVO transaction records stored securely?

04 What happens if I want to close my account and delete my data?

05 Who do I contact if I disagree with an account decision made under your legal terms?

06 Can lukitoqq change its legal terms, and how will I be informed?

07 Is my account information ever shared with third parties outside the payment process?

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