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Our Legal Terms, Your Account Rights

ligaibc operates under a clear set of legal terms that govern every account, transaction and data interaction on this platform — access and eligibility depend on local law.

Jurisdiction-aware termsDANA, OVO, GoPay & QRIS coveredData handled under strict retention policyAccount security clearly definedContact paths documented

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What Our Legal Terms Actually Cover

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

Our terms of service define the rules that apply the moment you create a ligaibc account. They cover how we process deposits made through DANA, OVO, GoPay and QRIS, the conditions under which withdrawals are verified and released, and the circumstances where account access may be

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reviewed. We do not collect payment credentials ourselves — all local payment rails are handled by certified processor partners, meaning your DANA or OVO wallet details never sit in our database. Eligibility to use the platform depends on local law in your region of Indonesia, including
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cities such as Surabaya and Bandung, and it is your responsibility to verify that participation is permitted where you are. Our terms are written in plain language so you can read them without a lawyer.

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 dispute over a transaction, or a request to review your account data, our compliance-aware support team is…

ACCOUNT SECURITY & DATA HANDLING

How We Protect Your Data and Account

Security and transparency are not afterthoughts at ligaibc — they are built into how we handle your account from the moment you register.

Data Collection Scope

We collect only the data needed to verify your identity, process your DANA or OVO transactions and deliver account services. We do not sell or share personal data with third-party advertisers under any circumstances.

Cookie Policy

Our site uses functional and analytical cookies to keep your session active and improve page performance. You can manage cookie preferences through your browser settings; blocking functional cookies may affect account login.

Account Security Measures

Each ligaibc account is protected by hashed password storage, two-factor authentication options and automatic session expiry after inactivity. Suspicious login attempts trigger an immediate email alert to your registered address.

Data Retention Period

Transaction records, including GoPay and QRIS payment logs, are retained for a minimum of five years to meet financial compliance requirements. Non-transactional profile data is deleted within 90 days of a verified account closure request.

Your Right to Access Data

You may request a full export of your personal data at any time by contacting our compliance team via email. We will deliver the data in a readable format within 10 business days of verifying your identity.

Requesting Changes or Deletion

To correct inaccurate data or request account deletion, reach out through live chat or email with your account ID. We will confirm the action in writing and complete it within the legally required timeframe where local law permits.

Frequently Asked Questions About Our Legal Terms

These are the questions we receive most often about how our legal framework applies to accounts in Indonesia. If your question is not here, use the live chat or email channel to reach our compliance team directly.

Yes. Access and eligibility depend on local law in your region. It is your responsibility to confirm that using this platform is permitted where you are located before opening an account or making a deposit via DANA, OVO, GoPay or QRIS.

Send a data access request to our compliance email with your registered account ID. We will verify your identity and deliver a full data export in a readable format within 10 business days of confirmation.

Transaction records, including those from DANA, OVO, GoPay and QRIS, are retained for a minimum of five years for financial compliance. Non-transactional profile data is deleted within 90 days of a verified closure request.

Yes. Contact our support team through live chat or email with your account ID and a deletion request. We will confirm the action in writing and complete it within the timeframe required where local law permits.

All local payment processing — including QRIS and GoPay — is managed by certified third-party processor partners. Your wallet credentials or payment details are never stored directly in our database, which reduces the risk of exposure.

Open a dispute through the live chat channel available 24 hours a day inside your account dashboard. For complex cases, email our compliance team with your transaction ID. We aim to acknowledge disputes within 24 hours on business days.

Our core terms apply equally to all accounts. However, specific eligibility conditions, transaction limits and access features may vary depending on your location within Indonesia, since access and eligibility depend on local law in each region.

Our Legal Terms, Your Account Rights

How to Reach Us on Legal Matters

How We Protect Your Data and Account

Data Collection Scope

Cookie Policy

Account Security Measures

Data Retention Period

Your Right to Access Data

Requesting Changes or Deletion

Frequently Asked Questions About Our Legal Terms

01 Does Indonesian law affect my ability to use ligaibc?

02 How do I request a copy of my personal data?

03 What happens to my DANA or OVO payment records after I close my account?

04 Can I ask ligaibc to delete my account and personal data?

05 Who handles my QRIS or GoPay payment credentials?

06 How do I dispute a transaction or withdrawal decision?

07 Are the legal terms the same for everyone in Indonesia?

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