Reference

What You Need to Know Before Using cermi4d

These legal terms set out the conditions under which cermi4d operates for accounts in Indonesia, including how we handle your data, what governs wallet transactions via DANA, OVO, and GoPay, and where eligibility applies under local law.

DANA, OVO, GoPay coveredIndonesia-region eligibilityAccount data protectionJurisdiction-dependent accessLocal law compliance
cermi4d What You Need to Know Before Using cermi4d
LEGAL CONTACT PATHS

How to Reach Us on Legal or Policy Matters

If you have a question about how these terms apply to your account, or you want to request a change to your stored data, our support team handles policy-related queries through the channels below. For wallet-linked issues — such as a DANA or OVO deposit that was processed under disputed terms — flag it directly through live chat so we can pull the transaction record on our end.

Live Chat Open the chat widget from any page while logged in. Our team can access your account and wallet transaction records to respond to legal or policy questions directly.
Account Help Desk Submit a formal policy query through the Account Help section. Use this path for data access requests, correction requests, or disputes tied to your GoPay or OVO account linkage.
Email Contact For written legal correspondence — including requests to close your account or remove stored data — email us via the address listed in your account profile under Contact Support.
HOW WE HANDLE DATA

Account Security, Data Retention and Your Rights

We apply encryption across all account data, including the wallet identifiers you provide when linking DANA, OVO, or GoPay. Data is retained only for as long as your account is active or as required under applicable Indonesian regulation. You have the right to request a copy of what we hold, ask for a correction, or ask us to delete data that is no longer needed for legal or transactional purposes.

Cookie Policy

We use session and preference cookies to keep your account logged in and remember your last wallet selection. You can manage cookie settings from your browser without affecting account access.

Data Retention

Transaction records tied to DANA, OVO, and GoPay are retained for the period required by applicable regulation. Once that window closes and your account is inactive, data is deleted or anonymised.

Account Security

Each login session is verified by OTP sent to your registered mobile number. If you suspect unauthorised access, lock your account immediately from the security settings tab and contact live chat.

Data Request Process

To request a copy of your personal data or ask for a correction, submit a request through Account Help. We aim to respond within the timeframe set by applicable Indonesian data rules.

Common Legal Questions from Indonesia Accounts

These are the questions we receive most often about how our terms apply to accounts in Indonesia — covering access eligibility, wallet data, account rights, and how to act on a legal or policy concern.

Access depends on local law and is available where local law permits. Check your region's rules before opening an account. We do not make eligibility determinations on your behalf.

Wallet identifiers are stored in encrypted form and used only to match deposits or withdrawals to your account. We do not use this data for marketing or share it with third parties outside legal requirements.

Yes. Submit a data access request through the Account Help section. We process these requests in line with the timeframe set by applicable Indonesian data regulation.

On account closure, we retain transaction records for the period required by applicable regulation, then delete or anonymise remaining personal data. You can request confirmation once deletion is complete.

We send a notice to the contact channel registered to your account before any revision takes effect. Continuing to use your account after the notice period means you accept the updated terms.

If a revision is not acceptable, contact our support team before the revision date to request account closure. We will process the request and handle your remaining wallet balance per the current terms.
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.