Reference

Your Account Rights and Our Obligations Under These Terms

Before you open an account on ratumacau, these terms set out exactly what we commit to and what we ask from you.

Account eligibility rulesDANA, OVO, GoPay payment termsService access by eligible regionAccount suspension and closure rightsHow to raise a dispute

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CONTACT FOR TERMS

How to Reach Us About These Terms

If any clause in these terms is unclear, or you want to request a change to your account data or raise a dispute, our support team is available around the clock. You can reach us via live chat directly in your account dashboard, or by email if you need a written record of the exchange. For wallet-related queries — such as a DANA deposit that did not credit or an OVO withdrawal that needs verification — our account support team can trace the transaction and respond with a documented outcome.

ACCOUNT SECURITY AND DATA

How We Protect Your Account and Handle Your Data

Security is built into the account layer, not added on top. Passwords are stored in hashed form and are never visible to our team. Every login session is protected by OTP verification sent to your registered mobile number, so access from an unrecognised device requires your confirmation before it proceeds. We retain your account data for as long as your account is active and for the period required by applicable Indonesian regulations after closure. You have the right to request a copy of the data we hold, to correct inaccurate details, or to ask us to delete data that we are no longer required to keep.

OTP Login Verification

Every new device login triggers an OTP to your registered mobile number. This step cannot be skipped, keeping your account secure even if your password is exposed elsewhere.

Data Retention Policy

We hold your account data while your account is active and for the legally required period after closure. You can request a summary of what we store at any time via email.

Right to Correct or Delete

You can ask us to correct wrong details or delete data we no longer need to hold. Submit the request by email and our team will confirm the action taken.

Cookie and Session Handling

We use session cookies to keep you logged in across pages and analytics cookies to understand how the account flow performs. You can manage cookie preferences in your browser settings at any time.

What These Terms Cover and How They Apply

ratumacau Service availability depends on eligible regions and local law. Users should check local rules before opening an account.

These terms form the full agreement between you and ratumacau for any account you open on this platform. They cover how your account is created and verified, how deposits and withdrawals are processed through local wallets like DANA, OVO, and GoPay, and what happens if either

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side needs to end the relationship. By completing account registration, you confirm you have read and accepted every clause here. We may update these terms when our services or applicable regulations change — when that happens, we will notify you through your registered contact before the
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new version takes effect. Continued use of your account after that date means you accept the revised terms. These terms do not override any obligation under Indonesian law. Where local law sets a higher standard for consumer protection or payment handling, that standard applies. If any
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single clause is found unenforceable in your jurisdiction, the rest of the terms remain in full effect. Questions about a specific clause can be directed to our account support team, available around the clock through live chat or email.

Service availability depends on eligible regions and local law. Users should check local rules before opening an account.

Common Questions About These Terms

These questions cover what Indonesia account holders most often ask when they want to understand their rights, how disputes work, and what happens to their data under these terms.

These terms apply to every person who opens and uses a ratumacau account. Access is available where local law in Indonesia permits. If local law restricts access in your area, these terms do not create an entitlement to use the service.

Yes. We will notify you through your registered contact before any change takes effect. If you continue using your account after the effective date, that counts as acceptance of the revised terms.

Contact our support team via live chat or email with your transaction reference. We will trace the DANA or OVO record and respond with a documented outcome. Most disputes are reviewed within a working day.

Send an email to our support team stating you want a data summary. We will compile and send the information held on your account within the timeframe required by applicable Indonesian regulations.

You can request deletion of data we are no longer required to retain. Regulatory obligations may mean some records must be kept for a set period after account closure. Our team will confirm exactly what can and cannot be deleted at the time of your request.

Indonesian law takes precedence. Where local consumer protection or payment regulations set a higher standard than these terms, that standard applies. An unenforceable clause does not affect the rest of the agreement.

Your Account Rights and Our Obligations Under These Terms

How to Reach Us About These Terms

How We Protect Your Account and Handle Your Data

OTP Login Verification

Data Retention Policy

Right to Correct or Delete

Cookie and Session Handling

Common Questions About These Terms

01 Who do these terms apply to?

02 Can ratumacau change these terms after I open an account?

03 What happens if I dispute a wallet transaction processed through DANA or OVO?

04 How do I request a copy of the data ratumacau holds on my account?

05 Can I ask ratumacau to delete my account data?

06 What if a clause in these terms conflicts with Indonesian law?

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