Reference

Your Rights and Our Legal Commitments

posd operates under a clear legal framework that defines how your account data is stored, how disputes are handled, and what rights you hold as an account holder…

Explore the Lobby Read FAQ

How Our Legal Terms Apply to You

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

Our terms of service govern every interaction you have on posd — from opening your account and completing identity verification to depositing via DANA, OVO, GoPay or QRIS and requesting a withdrawal. Eligibility to use specific features depends on local law, and we make that distinction

1
explicit rather than hiding it in footnotes. Account holders in Surabaya and across Indonesia are subject to the same consistent policy set. We update these terms when regulatory requirements or product features change, and we notify you by email at least seven days before any material
2
change takes effect. Your continued use of the account after that period constitutes acceptance. If you disagree with a change, you may close your account through the profile settings panel before the effective date.

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

LEGAL CONTACT PATHS

How to Reach Us on Legal Matters

For any legal query — a data request, a terms clarification, or a dispute — our compliance and support teams are available around the clock.

Live Chat Available 24 hours a day, seven days a week. Start a chat from any page inside your account dashboard. Legal queries are escalated to our compliance desk within two hours of first contact.

Email Support Send your legal request to our dedicated address listed inside the account Help section. We aim to reply within 48 hours and always provide a reference number for follow-up tracking.

Account Help Centre The Help Centre inside your profile panel holds our full terms document, cookie policy and data-retention schedule. Download any document as a PDF directly from that section without contacting support.

DATA AND SECURITY

How We Protect and Manage Your Account

Security and legal compliance are operated together at posd. Every layer described below is active on your account from the moment you complete registration, and each one has a direct contact path…

Data Storage

Your personal data is stored on encrypted servers. We retain account information only for as long as required by applicable law or active account status, after which records are permanently deleted on a documented schedule.

Cookie Policy

We use functional, analytics and session cookies. A cookie-preference panel is available on your first visit and can be adjusted at any time through the browser settings link in our footer.

Account Security

Two-factor authentication is available on all accounts. We recommend enabling it via your profile security tab. Any unrecognised login attempt triggers an automatic email alert to your registered address.

Data Retention Schedule

Transaction records — including all DANA, OVO, GoPay and QRIS movements — are retained for five years to meet financial-reporting obligations, then purged. You may request a copy of your records at any point.

Your Right to Access

You may request a full export of the personal data we hold about you. Submit the request through the Help Centre; we process and deliver the export file within 30 calendar days of verification.

Dispute Resolution

Formal disputes are handled through our internal compliance team first, then escalated to the relevant authority where local law permits. You will receive a written status update at each stage of the process.

Common Legal Questions Answered

These are the questions we receive most often about our legal terms, data practices and account rights. If your question is not covered here, reach out via live chat or the Help Centre email — our compliance team responds in writing within 48 hours.

Your account is subject to the terms we publish on this page, and enforceability depends on local law applicable in Indonesia. We apply the same policy set consistently across all account holders and note any jurisdiction-specific carve-outs in the relevant section of the full terms document.

Log in to your account, go to the Help Centre inside the profile panel, and submit a data-access request. After identity verification — usually completed within two business days — we deliver a downloadable export of all data we hold within 30 calendar days.

You may request deletion of non-mandatory data at any time. Certain records — such as transaction histories covering DANA, OVO, GoPay and QRIS deposits — must be retained for five years under financial-reporting obligations. We will clearly tell you which data can be deleted and which must be kept.

We send an email to your registered address at least seven days before any material change to the terms takes effect. The notification includes a summary of what changed and a link to the updated document so you can compare the previous and new versions side by side.

On closure, non-mandatory personal data is deleted within 90 days. Financial transaction records are retained for five years as required, then permanently purged. You receive a written confirmation email once the deletion process for your non-mandatory data is complete.

Start a dispute through the live chat channel, available 24 hours a day. Our compliance desk picks up legal disputes within two hours and provides a case reference number. If the internal process does not resolve the matter, escalation options are outlined in the full terms and depend on local law.

We store only the minimum payment reference data required to process refunds or resolve disputes. Full wallet credentials are never retained on our servers after a transaction completes. You can review our payment-data handling section in the full terms document inside the Help Centre.

Your Rights and Our Legal Commitments

How to Reach Us on Legal Matters

How We Protect and Manage Your Account

Data Storage

Cookie Policy

Account Security

Data Retention Schedule

Your Right to Access

Dispute Resolution

Common Legal Questions Answered

01 Which law governs my account and how is it enforced?

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

03 Can I ask for my data to be deleted?

04 How are changes to the terms communicated?

05 What happens to my account data if I close my account?

06 How do I dispute a transaction charge or a policy decision?

07 Are my payment details — DANA, OVO, GoPay, QRIS — stored after a transaction?

Related Pages