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What You Agree to When You Use makmur99

Our legal terms set out the conditions under which makmur99 operates and how your account, transactions and data are handled.

Account Eligibility RulesDANA, OVO, GoPay Transaction TermsData Handling PolicyAccount Security ObligationsJurisdiction-Dependent Access
makmur99 What You Agree to When You Use makmur99
HOW WE HANDLE YOUR DATA

Account Security, Data and Your Rights

We keep your account and transaction data under defined retention periods and access controls. Here is how we manage the key areas that affect your account directly.

Data Retention

Account and transaction records — including DANA, OVO and GoPay payment history — are retained for the period required by our operational policy and applicable local regulation.

Cookie Use

We use session cookies to keep your account login active and analytics cookies to understand how the platform is used. You can manage cookie preferences through your browser settings at any time.

Account Security

Your account is protected by OTP verification on login and any wallet-linking action. If you notice unauthorised access, contact support immediately through live chat so we can lock the account.

Requesting Changes

To request a correction, export or deletion of your personal data, submit a request through the Help Centre in your account profile. We process these requests in line with our published data policy.

POLICY CONTACT PATHS

Reach Us on Legal or Policy Questions

If you have questions about how our terms apply to your account — including wallet-linked transaction disputes, data access requests or eligibility queries — our support team handles policy matters directly. Reach out through the channel that works for you, and include your registered account details so we can respond without delays.

Team online

Live Chat

Open the chat widget from any page while logged in. Our team can address policy questions, wallet transaction disputes involving DANA, OVO or GoPay, and account eligibility queries.

Email Support

Send policy-related queries to our support email address found in your account settings. Include your account ID and the relevant transaction or policy reference for a faster response.

Account Help Centre

Log in and head to the Help section under your account profile. Policy documents, wallet terms and data request forms are accessible directly from there without contacting support.

Common Legal and Policy Questions Answered

These are the questions we get most often about our legal terms, account conditions and data rights. If your question is not covered here, contact our support team directly.

Access depends on whether your local law permits it. We do not override local regulation. If your jurisdiction restricts platforms of this type, our terms do not grant you access rights.

Transaction records tied to your DANA, OVO or GoPay wallet are retained under our data policy. Both our terms and your wallet provider's terms apply to those records simultaneously.

Log in, go to the Help Centre under your account profile, and submit a data request form. We handle corrections, exports and deletion requests according to our published retention policy.

Yes. Raise wallet transaction disputes — whether DANA, OVO or GoPay — through our support team first. Do not initiate a third-party process before contacting us directly via live chat or email.

We update the terms when operational or regulatory changes require it. The version date at the bottom of this page always reflects the current terms. Check back after any announced platform update.

If any clause in our terms conflicts with a local legal requirement in your region, the local requirement applies. Our terms are structured to comply with applicable rules where access is permitted.
Reference

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.