Reference

toko123 Legal Terms for Your Account

Our legal terms set out how your toko123 account is governed, what data we hold, and how access is determined — because eligibility depends on local law and…

Account eligibility depends on local lawData handled under strict retention rulesContact path for rights requestsCookie and tracking policyQRIS and DANA transaction records protected

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Browse the Scope of Our Legal Policy

toko123 Service availability depends on jurisdiction. Users are responsible for checking local law before access.

toko123 operates where local law permits, and our policy scope reflects that. Your account data — including deposit records tied to DANA, OVO, GoPay, QRIS, virtual account and bank transfer rails such as BCA, BRI, Mandiri and BNI — is retained only as long as required

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for transaction integrity and regulatory compliance. We do not share your payment information with third parties outside the direct processing chain. If you are accessing from Surabaya or any other region in Indonesia, the same retention and data-handling rules apply uniformly across all accounts. Policy updates
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are communicated via the email address on your account profile at least fourteen days before they take effect, giving you time to review changes before they apply to your session.

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

LEGAL CONTACT PATHS

Reach Us on Legal and Policy Matters

If you need to exercise a data right, dispute a policy interpretation, or request account record deletion, there are three direct paths to our compliance team.

Live Chat — Policy Channel Open the chat widget inside your toko123 account dashboard and select the Legal or Policy topic. Our compliance-trained agents are available daily from 08:00 to 23:00 WIB.

Email — Data Rights Requests Send a written request to our legal inbox with your account ID and the specific right you want to exercise — access, correction, or deletion. We respond within seven business days.

Help Centre — Policy Articles The Help Centre under Account and Legal houses detailed articles on cookie settings, data retention periods, and how to update the personal information stored against your account.

HOW WE HANDLE POLICY

Open the Details Behind Our Legal Practices

Transparency in how we manage your account data and legal obligations is not an afterthought — it is built into how toko123 operates day to day.

Data Retention

Account and payment records are kept for the minimum period required for transaction verification. Once that period lapses, records are scheduled for deletion unless a dispute is active.

Cookie Policy

We use session cookies for login continuity and analytics cookies to understand lobby navigation. You can adjust non-essential cookie categories through the preference centre in your account settings.

Account Security

Phone verification is required before account access is granted. If you suspect unauthorised login activity, contact our live chat team immediately and we will freeze the account pending review.

Who Receives Your Request

Legal and data-rights requests are routed directly to our compliance team, not general support. Your request will not sit in a general queue — it is tagged and escalated automatically.

Requesting Changes to Your Data

To correct or remove personal information, submit a request via the legal email channel with your account ID. Corrections to payment-linked details such as your registered OVO or GoPay number require additional identity verification.

Access and Eligibility

Whether certain account features or markets are available to you depends on local law. We assess eligibility at the point of account creation and again if regional access rules change.

Legal Questions About Your toko123 Account

These are the questions we see most often when it comes to the toko123 legal policy — answered directly so you know exactly where you stand before or after opening an account.

Your account is subject to the terms published on this Legal page. Eligibility and certain features depend on local law, so access conditions may vary depending on where you are located in Indonesia.

Send a written request to our legal email channel with your account ID and specify that you are requesting a data access report. We aim to deliver the report within seven business days of verifying your identity.

Yes. Submit a deletion request through the legal email channel. Records tied to active disputes or required by transaction integrity rules may be retained for the minimum legally required period before deletion proceeds.

Payment data is shared only with the processors directly involved in clearing your DANA, QRIS, OVO or GoPay transaction. It is not sold or passed to unrelated third parties outside that processing chain.

We use essential session cookies for login and optional analytics cookies for lobby navigation data. Non-essential cookies can be turned off through the preference centre inside your account settings at any time.

Access to toko123 and specific account features depends on local law. Where local law permits, you can open an account and use supported payment rails including DANA, OVO, GoPay, QRIS and bank transfer.

Policy updates are emailed to the address on your account at least fourteen days before they take effect. Check your inbox and account notification settings to make sure you do not miss a policy update notice.

toko123 Legal Terms for Your Account

Reach Us on Legal and Policy Matters

Open the Details Behind Our Legal Practices

Data Retention

Cookie Policy

Account Security

Who Receives Your Request

Requesting Changes to Your Data

Access and Eligibility

Legal Questions About Your toko123 Account

01 What legal terms govern my toko123 account?

02 How do I request a copy of the data toko123 holds on me?

03 Can I ask toko123 to delete my account data?

04 Does toko123 share my DANA or QRIS payment data with third parties?

05 What cookies does toko123 use and how do I control them?

06 Is toko123 available to everyone in Indonesia?

07 How will I know if the toko123 legal policy changes?

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