Reference

Legal rules for your open123 account

open123 Legal sets out how account access, wallet checks, privacy and policy requests work for you in Indonesia.

Account termsPrivacy handlingLocal access

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Read the rules before account access

open123 Service availability depends on jurisdiction. Users are responsible for checking local law before access.

Our Legal notice explains the conditions that apply when you open and use an account, including eligibility, phone verification, wallet status checks and requests about personal data. Access depends on local law, so we ask you to confirm that using the service is permitted in your

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location before continuing. The same policy path applies whether your account uses DANA, OVO, GoPay, QRIS, bank transfer or a virtual account. If a payment record needs checking, keep the receipt and account details ready so we can match the request accurately. We may ask for
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additional account checks before changing access or releasing account-related data.

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

POLICY HELP ROUTES

Get Legal help beside your account

A clear support route matters when a Legal question blocks account access or leaves a wallet status unclear.

Account access Use the account help path when phone verification stops your access. We can check the account record, explain which Legal condition applies and tell you what detail is needed before the account can be considered again.

Wallet status For a DANA, OVO, GoPay or QRIS question, include the payment reference and the account contact used at sign-in. We use those details to separate a policy request from a simple wallet-status check.

Data request Ask through the same support route when you want to request a copy, correction or removal of eligible account data. We first verify account ownership, then explain what the Legal policy allows us to change or retain.

DATA AND SECURITY

How open123 handles Legal requests

We handle Legal requests through the account details already connected to your open123 profile rather than asking you to send sensitive material through an unrelated route.

Account records

We connect a Legal request to your account contact and verification status. This lets us check whether the request comes from the account holder before discussing access, changing details or preparing an eligible data response.

Phone verification

Phone verification is part of the account access step. If a policy request involves identity, wallet ownership or a change to account details, we may use that check before taking action.

Cookie choices

Cookies can support sign-in continuity and selected page settings. If you ask about cookie handling through account help, we explain the relevant use and any available choice for your account journey.

Payment references

A DANA, OVO, GoPay or QRIS receipt can help us locate a transaction question. Share only the reference needed for the request; we do not need your wallet PIN or secret access code.

Retention checks

Some account, verification and payment records may need to remain available for the period set by our policy or applicable local requirements. We can explain the reason when you request a retention check.

Policy changes

To request a correction or ask how a Legal rule affects you, contact us from account help with the relevant section and your account contact. We confirm ownership before discussing private account details.

Answers about open123 Legal access

These Legal answers cover the questions we expect you to ask before opening an account or sending a policy request. They explain local eligibility, personal data, wallet records, cookies and account changes in practical terms. If your situation is not covered, use account help with the relevant account contact and payment reference, if one applies. We will check the request against the current policy and explain the next step where local law permits.

open123 Legal covers account eligibility, phone verification, privacy, cookies, payment references, data requests and policy changes. It applies to your account path whether you use DANA, OVO, GoPay, QRIS, bank transfer or a virtual account.

Access depends on local law. Before opening an account, you need to confirm that use is permitted in your location. If a Legal rule affects your access, account help can explain the relevant condition and the available next step.

Phone verification helps us confirm that the account contact belongs to you before access is provided. We may repeat that check when a Legal request involves account ownership, a wallet reference, private data or a change to account details.

Legal applies to payment records as well as account access. If you ask about a DANA or QRIS transaction, provide the account contact and payment reference. We use those details to locate the record without requesting your wallet PIN.

Send the request through account help and identify the account contact used at sign-in. After ownership is checked, we explain which records can be copied or corrected, what details are required and whether any policy retention rule applies.

Retention depends on the account record, the applicable policy and local requirements. Verification, account and payment records may remain available for a stated period. You can ask account help to explain why a particular record is retained.

Use the account help path and name the Legal section or policy wording you want checked. Include your account contact, but never send a wallet PIN. We verify ownership, review the request and explain the change where local law permits.

Legal rules for your open123 account

Get Legal help beside your account

How open123 handles Legal requests

Account records

Phone verification

Cookie choices

Payment references

Retention checks

Policy changes

Answers about open123 Legal access

01 What does open123 Legal cover?

02 Can I access open123 Legal from Indonesia?

03 Why does open123 require phone verification?

04 How does Legal apply to DANA and QRIS records?

05 How can I request a copy or correction of my data?

06 How long does open123 keep account information?

07 Where can I ask about a Legal policy change?

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