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Explore Your Rights and Our Legal Commitments

joki123 operates under a clear legal framework designed to protect your account, your data, and your transaction history — whether you deposit via DANA, OVO, GoPay, or QRIS.

Terms & ConditionsPrivacy PolicyCookie PolicyAccount Data RightsQRIS & DANA Compliance

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Browse Our Policy Posture by Region

joki123 Service availability depends on jurisdiction. Users are responsible for checking local law before access.

Our terms apply to all account holders accessing joki123 from supported Indonesian regions, including those in Makassar and Denpasar who reach our lobby via mobile or desktop. We operate under jurisdiction-dependent rules, meaning specific features, promotions, and access levels depend on local law. Payment rails such

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as DANA, OVO, GoPay, and QRIS are subject to their own provider agreements, which run alongside our platform terms — not in replacement of them. If there is any conflict between third-party payment terms and ours, our platform terms take precedence for account-related matters. We update
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this policy when regulatory or operational changes require it, and we notify you via your registered email within 7 days of any material change.

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

LEGAL CONTACT PATHS

Open a Legal Query Through These Channels

If you have questions about your rights, data handling, or our terms, our support team handles legal queries directly — no third-party relay.

HOW WE HANDLE POLICY

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We handle data, cookies, account security, and retention with specific practices — not vague commitments.

Data Retention

Account and transaction records are retained for 5 years from your last active session, in line with financial reporting obligations. You may request a summary of stored data at any time via your account dashboard under Settings > Data.

Cookie Policy

We use functional, analytical, and preference cookies. You can manage your cookie settings directly from the cookie banner shown on your first visit, or by navigating to Settings > Privacy on your account page at joki123.xyz.

Account Security

Your account is protected by two-factor authentication (2FA) via OTP sent to your registered mobile number. We never store raw payment credentials — DANA, OVO, GoPay, and QRIS tokens are handled by each provider's own encrypted gateway.

Data Access Requests

You have the right to request a copy of all personal data we hold on your account. Submit this request through live chat or email; we process and deliver data packages within 5 business days of identity verification.

Data Correction

If your account details are inaccurate — name, registered mobile, or linked DANA or OVO wallet — you can request a correction via our support email. Changes are applied within 1 business day after identity verification is complete.

Account Closure

You may close your account at any time by submitting a written request through email support. Pending balances are paid out to your last verified QRIS or GoPay wallet before the account is deactivated, usually within 3 business days.

Get Direct Answers on Rights and Policy

The questions below come from real account holders asking about data rights, access conditions, and how our policies affect their wallets and sessions. Each answer reflects how we actually operate — not a generic statement.

Yes. Access to certain features and account functions depends on local law. We apply jurisdiction-specific restrictions automatically at the account level, so what you see in your lobby reflects what is permitted where local law permits.

Submit your request through live chat between 08:00 and 23:00 WIB, or send an email to our support address. After identity verification, we deliver your data package within 5 business days to your registered email.

Yes. Contact our support team via email or live chat with proof of identity. Corrections to linked DANA, OVO, GoPay, or QRIS wallet details are processed within 1 business day once verification is complete.

We retain transaction and identity records for 5 years after closure to meet financial reporting obligations. All other preference and session data is deleted within 30 days of account deactivation, and we confirm deletion by email.

We send a notification to your registered email at least 7 days before any material policy change takes effect. The updated document is also published on joki123.xyz/legal/ with a clear revision date at the top.

No. We do not store raw payment credentials. DANA, GoPay, OVO, and QRIS transactions are processed through each provider's own encrypted gateway, and only a tokenised reference number is recorded on your joki123 account history.

Submit a formal written objection to our support email. We respond with a reasoned decision within 2 business days. If unresolved, the matter is handled under the jurisdiction that governs your account, which depends on local law.

Explore Your Rights and Our Legal Commitments

Open a Legal Query Through These Channels

Switch From Questions to Clarity on Your Account

Data Retention

Cookie Policy

Account Security

Data Access Requests

Data Correction

Account Closure

Get Direct Answers on Rights and Policy

01 Does Indonesian law affect my access to joki123?

02 How do I request a copy of the data joki123 holds on me?

03 Can I correct my account information, like a wrong phone number or wallet address?

04 What happens to my data if I close my account?

05 How does joki123 notify me when its legal terms change?

06 Are my DANA or GoPay payment details stored on joki123's servers?

07 What legal recourse do I have if I disagree with a policy decision?

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