Reference

Terms That Govern Your Account and Access

Everything on ratutohel — your account, your wallet connections through DANA, OVO, or GoPay, and what you can access — operates under these legal terms. Availability depends on local law and is valid only where local law permits.

Account TermsData & PrivacyWallet PolicyAccess ConditionsJurisdiction Notice
ratutohel Terms That Govern Your Account and Access
LEGAL CONTACT PATHS

Reach Us on Legal or Policy Matters

For legal questions — data requests, account disputes, or policy clarifications — we have three contact paths available. Each route is handled by the relevant team, so choose the one that matches what you need. We aim to respond to formal legal and data requests within the timeframe required by applicable policy.

Live Chat Support Use the live chat window inside your account for urgent policy or access questions. The chat team can escalate data and legal requests to the right team.
Email for Data Requests Send formal data access, deletion, or correction requests by email. Include your registered account details and the specific right you are exercising under applicable rules.
Account Settings Path Minor policy-linked actions — like updating your registered wallet between DANA, OVO, and GoPay — are handled directly in your account settings without contacting support.
DATA AND SECURITY

How We Handle Your Data and Account Security

Your account security and data handling follow a clear internal policy. We do not sell personal data to third parties. Wallet details you link — whether DANA, OVO, or GoPay — are used only for transaction processing and are not stored in plain text. Our security layer uses SSL encryption across all account and payment pages. If you need to update, access, or request deletion of your data, the process is described below.

Cookie Policy

We use session and analytics cookies to keep your account logged in and to understand how the site is used. You can manage cookie preferences in your browser settings at any time.

Data Retention Rules

Account and transaction records are kept for as long as required by applicable policy and for the period needed to resolve any open disputes before deletion.

Account Security Steps

Login uses OTP verification sent to your registered mobile number. We recommend keeping your OTP device accessible and never sharing your PIN or one-time code with anyone.

Requesting Data Changes

To access, correct, or delete your personal data, email us with your account ID and the specific change requested. We process requests in line with our stated retention and deletion policy.

Your Legal and Policy Questions

These are the questions we receive most often about our legal terms, data rights, and account policies. If yours is not here, use the email contact path above to reach the right team.

Yes, these terms apply to any account opened through ratutohel. Access is subject to local law in your region — use the platform only where it is lawful to do so.

Yes. Email us with your registered account ID and a clear data access request. We will respond within the timeframe set out in our data handling policy.

When you link a wallet, that wallet provider's own terms apply to the transaction on their side. Our terms govern how we record and process the deposit or withdrawal on the account side.

We retain transaction and account records for the period required by our retention policy, then delete them. Open disputes may extend that period until resolution.

Updated terms are published on this page with the revision date shown. Continuing to use your account after a change is posted means you accept the revised terms.

Use the email contact path and clearly describe the issue. The relevant team will review and respond. Formal disputes follow the process set out in our dispute handling section.
Reference

Legal

Service availability depends on eligible regions and local law. Users should check local rules before opening an account.

Access may be available only where local law permits.