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What Our Legal Framework Covers for You

embak4d operates under terms that apply to every account opened and every transaction processed — including deposits through DANA, OVO, and GoPay. Access to our platform depends on local law and is available only in eligible regions where it is permitted.

Account TermsData & PrivacyPayment Policy — DANA, OVO, GoPayJurisdiction NoticeContact Rights
embak4d What Our Legal Framework Covers for You
DATA & ACCOUNT SECURITY

How We Handle Your Data and Account Access

We hold your account data under a set of practices designed to keep it accurate, accessible to you, and protected from unauthorised use. Here is what that looks like in practice across four areas that matter most.

Data Retention We keep your transaction records — including DANA and OVO payment history — for the period required by applicable law. You may request a copy through your account dashboard.
Cookies & Session Tracking We use session cookies to keep you logged in and to remember your account preferences. You can adjust cookie settings in your browser; disabling them may affect certain account features.
Account Security Steps Every login triggers an OTP verification sent to your registered mobile number. If you suspect unauthorised access, lock your account from the security tab and contact us immediately.
Correction & Deletion Rights You have the right to request correction of inaccurate personal data or deletion of your account record, subject to our retention obligations. Email us with your account ID to start the process.
POLICY CONTACT PATHS

How to Reach Us on Legal Matters

If you have a question about these terms, a dispute over a transaction, or a request to access or amend your account data, we have three direct contact paths. Use the one that matches your situation — for urgent account matters, live chat is the fastest route.

Team online

Live Chat — Account & Policy

Open the chat widget from your account dashboard to raise a legal query or dispute a transaction. Available for accounts in supported Indonesia regions.

Email — Data & Rights Requests

Send data access, correction or deletion requests to our policy email. We aim to respond within the window set by applicable regulation in your region.

Account Dashboard — Formal Disputes

Log a formal dispute directly inside your account. Attach your transaction reference — DANA, OVO, or GoPay transfer ID — so we can locate the record quickly.

Common Questions About These Terms

These are the questions we hear most often about our legal terms, data practices, and account rights. If yours is not here, reach us through the contact paths above.

Yes. Any account transaction — including deposits via GoPay, OVO, or DANA — is subject to our payment and account terms. The wallet you use does not change your legal relationship with us.

You can. Send a data access request to our policy email with your account ID. We process requests within the timeframe required by applicable regulations in your region.

We retain transaction and identity records for the period required by law, then delete personal data we no longer need. You may request confirmation of deletion after the retention window closes.

Access depends on local law and is available only in eligible regions. We do not offer services where local law prohibits access. Check the jurisdiction notice in the details section above.

Log the dispute inside your account dashboard and include your DANA transfer reference number. That reference lets us match the record quickly and begin the review process.

We update terms when our operations or applicable law require it. We notify you via your registered contact before changes take effect. Continued account use after the update is treated as acknowledgement.
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Legal

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

Access may be available only where local law permits.