Reference

How We Handle Your Account and Rights

These legal terms set out what you can expect from pinayoie and what we expect from you. Availability of services depends on local law and is open only where eligible regions permit access.

Account TermsData & PrivacyDANA, OVO, GoPay Wallet RulesEligibility by RegionContact Your Rights
pinayoie How We Handle Your Account and Rights
HOW WE PROTECT YOU

Data Handling, Cookies, and Account Security

We handle your information with specific controls in place — from the moment you link a wallet to the point you close your account. Here is what each layer covers and who to contact when you need to act on it.

Data Retention

We keep account records — including wallet-link history for DANA, OVO, and GoPay — while your account is active and for a defined period post-closure. Request deletion through live chat.

Cookie Policy

We use session and preference cookies to keep your login state and wallet selection persistent across mobile and desktop. You can clear them in your browser; some account features may reset.

Account Security

Login uses an OTP step tied to your registered number. If you suspect unauthorised access, lock your account immediately from the security tab and contact support to freeze wallet links.

Requesting Changes

To update stored data, correct a wallet detail, or submit a right-of-access request, contact us via the email channel in your account settings. We respond to verified requests.

POLICY CONTACT

Reach Us About a Legal or Policy Matter

If you have a question about these terms, want to request your account data, or need to flag a policy concern, these are the direct paths to our team. We handle data and account-rights requests separately from general wallet support — use the right channel and we can move faster.

Team online

Live Chat

Open the chat widget from your account page. For policy and data requests, select the Legal or Account Rights topic so the right team picks it up without a redirect.

Email Support

Send legal or data-access requests to our support address shown in your account settings. Include your registered wallet — DANA, OVO, or GoPay — for faster verification.

Account Help Centre

Our help centre has step-by-step paths for data requests, account closure, and wallet unlinking. Start there if you want a self-service route before contacting the team directly.

Legal Questions We Hear Most Often

These are the questions our team fields most from people in Bandung and across Indonesia. Straightforward answers, no run-around.

Yes. Opening an account or continuing to use the service after a terms update means you accept the current version. If you disagree, you can request account closure through support.

We store the wallet type, the transaction reference, and the verification status. We do not store your full wallet PIN or password. Wallet providers handle their own data under their own policies.

Yes, where permitted under applicable law. Submit a deletion request via the email channel in your account settings. We will confirm what can be removed and what we are required to retain.

Both apply independently. Our terms govern the account and service side. DANA, OVO, or GoPay each govern the wallet transaction side. Neither overrides the other.

We retain records for a defined post-closure period as required by our policy. After that period, data is removed from active systems. Contact support to confirm the exact retention window for your account.

We post updates here and aim to notify you through your registered account where practical. Continuing to use the service after a change counts as acceptance of the revised 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.