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Your Rights and Our Legal Commitments

koincuan operates under a clear legal framework designed to protect your account, your data, and your rights as a user in Indonesia — where local law permits.

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koincuan Your Rights and Our Legal Commitments
SALURAN DUKUNGAN HUKUM

Reach Us About Any Legal Matter

If you have a question about our terms, need to exercise a data right, or want to flag a policy concern, our support team is reachable through three direct channels.

Live Chat Our live chat operates 07.00–23.00 WIB daily. Type 'legal query' at the start of your message and the system routes you directly to our policy-trained support team within two minutes.
Email Hukum Send detailed legal requests, data-access applications or terms disputes to our dedicated legal email. We aim to respond within 2 working days, Monday through Friday, 09.00–17.00 WIB.
Formulir Akun Log in to your account, go to Settings → Help → Legal Request, and submit your query with supporting documents attached. This path creates a timestamped case record you can track in real time.
STANDAR PERLINDUNGAN AKUN

How koincuan Handles Your Data and Security

We apply layered account-security practices, clear data-retention rules and straightforward cookie policies so you can use the platform with confidence — whether you are in Makassar or anywhere else in Indonesia where…

Enkripsi Data

All personal and payment data — including linked DANA and OVO wallet identifiers — is encrypted at rest and in transit using current industry-standard protocols. No third party receives your raw payment details.

Kebijakan Cookie

We use session cookies to keep you logged in and analytics cookies to improve page performance. You can manage cookie preferences from the footer of any page without affecting your account access or payment functionality.

Retensi Data Akun

Account data is retained for as long as your account remains active, plus a legally required holding period after closure. You may request early deletion of non-mandatory data by contacting our legal email channel.

Keamanan Login

We enforce two-factor verification at login and alert you by email whenever a new device or IP address accesses your account. Suspicious sessions are suspended automatically pending your confirmation.

Hak Akses Data

Under applicable Indonesian data-protection rules, you have the right to view, correct or request deletion of your personal information. Submit a formal request through Settings → Help → Legal Request inside your account.

Kontak Perubahan Kebijakan

Any update to our privacy terms or terms of use is published on this page and notified to your registered email. Policy changes never take effect retroactively; the version in force when you acted governs that action.

Legal Questions We Hear Most Often

These are the policy and rights questions that come up most often from users in Indonesia. If your situation is not covered here, use the live chat or legal email channel described above to get a direct answer within our stated response window.

Access to our services depends on local law. We advise you to check the regulations applicable in your region before opening an account. Our terms of use are written to reflect jurisdiction-specific eligibility conditions.

We collect your name, email address, phone number, and the payment identifiers you link — such as your DANA or OVO wallet number — at registration. Additional identity documents may be requested during withdrawal verification steps.

Log in to your account, navigate to Settings → Help → Legal Request, and select 'Data Access Request'. We process these within 5 working days and deliver the data package to your registered email address.

Yes. Submit a deletion request through the Legal Request form in your account settings or via our legal email. We delete non-mandatory data promptly; legally required transaction records are held for the minimum period Indonesian regulations specify.

Payment disputes are logged as timestamped cases in our system. Contact live chat between 07.00–23.00 WIB with your transaction reference, and our team will coordinate with the relevant payment provider to resolve the issue within 3 working days.

Yes. We send an email to your registered address at least seven days before any material change takes effect. The updated terms are also published on this page with a clear effective date shown at the top.

Formal legal queries should be directed to our legal email channel. Responses are handled Monday through Friday, 09.00–17.00 WIB, with a target reply window of 2 working days from receipt of your message.

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