Reference

Our Legal Terms for Indonesian Accounts

sepin harta operates under a clear legal framework that defines your rights, our obligations, and the rules that govern every account on this platform — access depends on…

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What Our Legal Terms Actually Cover

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

Our legal terms set out the conditions under which sepin harta offers its services, including account eligibility, payment processing through DANA, OVO, GoPay and QRIS, dispute resolution procedures, and data retention timelines. Eligibility to access the platform depends on local law in your region — we

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do not override or bypass national regulations. Each account holder agrees to these terms at the point of registration, and we update them whenever regulations in Indonesia change materially. When a policy changes, we notify you via the email address attached to your account at least
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seven days before the new terms take effect. Accounts opened by you are personal and non-transferable. Transaction records processed through QRIS or bank transfer rails are retained for a minimum of five years in line with Indonesian financial record-keeping norms. If you are accessing sepin harta
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from Yogyakarta or any other region, where local law permits, these terms apply in full.

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

LEGAL CONTACT PATHS

How to Reach Us on Legal Matters

If you have a question about our terms, a data request, or a dispute relating to your account, our dedicated legal support team is reachable around…

HOW WE HANDLE YOUR RIGHTS

Data, Security and Account Transparency

We handle your personal information, account security and cookie settings with documented processes — not vague promises.

Data Storage and Encryption

All personal data submitted during account registration is encrypted at rest using AES-256 and in transit via TLS 1.3. Your DANA, OVO or GoPay deposit records are stored in isolated servers and never shared with third-party advertisers without your explicit consent.

Cookie Policy and Controls

We use functional, analytical and session cookies to keep your account active and measure page performance. You can adjust cookie preferences at any time through the Privacy Settings panel inside your account dashboard — changes take effect within 24 hours.

Account Security Practices

Two-factor authentication is available on every sepin harta account and can be enabled under Security Settings. Login attempts from unrecognised devices trigger an automatic email alert to the address on your account, giving you a real-time warning of any unauthorised access.

Retention Periods

We retain account data for the period your account remains active plus five years after closure, in line with Indonesian financial regulation. QRIS and bank transfer transaction records follow the same five-year minimum. You may request a copy of your data at any time.

Who to Contact for Changes

To update personal details, correct inaccurate data, or request full account deletion, open a ticket under Help > Legal Request or email our legal team directly. We process verified data-change requests within five business days of identity confirmation.

How to Request Your Data

Submit a Subject Access Request through the account portal. After we verify your identity — typically within one business day — we send a structured data export covering your profile, transaction history and communication logs to your registered email address.

Frequently Asked Questions About Our Legal Terms

The questions below reflect what you are most likely to ask before accepting our terms or after reviewing your account rights. Each answer is specific to how sepin harta operates for accounts based in Indonesia, where local law applies.

Yes — access to sepin harta depends on local law in your region. We do not grant access where local law prohibits it, and you are responsible for verifying that using the platform is lawful in your specific location within Indonesia.

We send an email notification to your registered address at least seven days before any material change to our terms takes effect. You can also view the current version of our terms at any time from the Legal section in your account settings.

Yes. Submit a Subject Access Request through Help > Legal Request in your account portal. After identity verification — usually completed within one business day — we email a full data export to your registered address, covering your profile and all transaction records.

Transaction records for DANA, OVO, GoPay and QRIS are retained for a minimum of five years from the date of each transaction, in line with Indonesian financial record-keeping requirements. This applies to both deposit and withdrawal entries on your account.

Submit a formal deletion request under Help > Legal Request or email our legal department directly. We verify your identity first, then process the deletion within five business days. Note that transaction records are retained for the legally required period even after account closure.

QRIS payment disputes are reviewed by our accounts team and resolved within three business days of the dispute being logged. Open a support ticket with your transaction reference number and we will investigate the record and update you at each stage of the process.

No. Accounts on sepin harta are personal and non-transferable under our terms. Sharing login credentials or allowing a third party to operate your account is a breach of our legal terms and may result in the account being suspended pending a review.

Our Legal Terms for Indonesian Accounts

How to Reach Us on Legal Matters

Data, Security and Account Transparency

Data Storage and Encryption

Cookie Policy and Controls

Account Security Practices

Retention Periods

Who to Contact for Changes

How to Request Your Data

Frequently Asked Questions About Our Legal Terms

01 Does my eligibility to use sepin harta depend on where I live?

02 How will I know when the legal terms change?

03 Can I request a copy of all data sepin harta holds on me?

04 How long does sepin harta keep my payment records for DANA, OVO, GoPay and QRIS?

05 What should I do if I want my account permanently deleted?

06 How does sepin harta handle a payment dispute involving QRIS?

07 Can someone else use my sepin harta account?

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